Flood Risk in Virginia, SA: 2026 Assessment

Virginia, South Australia· UNKNOWN
Virginia faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.Updated 10 Mar 2026

Flood Risk Score

6.0/10

Virginia faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.

Key Facts

Flood Risk
Virginia faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.
Trend
increasing
Suburb
Virginia, SA
Overall Risk
Medium
Postcode
5120
Highest high-risk exposure
11.8% of land (surface flood)

Flood Risk Analysis

Virginia, located in South Australia, has a notable flood risk profile based on available data including proximity to waterways, elevation, and historical flood events. The Bureau of Meteorology (BOM) maintains river height and flood warning data for catchments across South Australia.

Historical flood data indicates that some properties in Virginia have been affected by flooding in the past.

Virginia faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.

For a comprehensive property-specific flood assessment including address-level elevation data, flood overlay mapping, and insurance cost estimates, use the ClimateNest full analysis tool. General suburb data cannot replace a site-specific evaluation.

Virginia sits within ClimateNest's suburb-level hazard model for flood risk. 2.2% of the suburb's land area is mapped in high-risk flood zones and 77.4% in moderate-risk zones, based on the national hazard overlay. Exposure at this scale varies street by street, which is why an address-level check matters before you buy or insure a specific property in Virginia.

Virginia (postcode 5120) is tracked in ClimateNest's suburb hazard model, which maps the share of the suburb's land exposed to each hazard at high and moderate levels. The suburb's highest high-risk exposures are surface flood (11.8% of land in high-risk zones), bushfire (7.3% of land in high-risk zones), extreme wind (2.4% of land in high-risk zones). Exposure is not uniform across Virginia — individual properties can sit well above or below these averages, so an address-level check is recommended before buying, selling or insuring.

Local Hazard Evidence

Nearest WaterwayElizabeth River
Elevation Range5-15 meters
Flood Zone ClassificationAreas near the Elizabeth River are prone to flooding.

Historical Events

2023
Moderate

Heavy rainfall caused localized flooding in parts of Virginia, affecting some residential areas.

2018
Moderate

Heavy rainfall caused localized flooding in parts of Virginia, affecting some residential areas.

Adaptation & Mitigation Actions

Improve building resilience to heatwaves

Immediate

Install insulation, shading, and energy-efficient cooling systems to reduce the impact of heatwaves on homes and businesses.

Est. cost: Medium

Invest in flood defenses

Near-term

Construct levees, drainage systems, and other flood defenses to protect low-lying areas from inundation.

Est. cost: High

Develop a heat action plan

Immediate

Create a plan to protect vulnerable populations during heatwaves, including providing access to cooling centers and public awareness campaigns.

Est. cost: Low

Strengthen coastal protection measures

Long-term

Implement measures to protect coastal areas from erosion and inundation, such as beach nourishment and seawalls.

Est. cost: High

Enhance bushfire preparedness

Near-term

Implement bushfire mitigation strategies such as controlled burns and community education programs.

Est. cost: Medium

Council & Emergency Services

City of Darwin
Emergency Services

Data last updated: 10 March 2026

Explore Virginia Risk Reports

Frequently Asked Questions

Is Virginia at risk of flooding?

Based on available data, Virginia has a notable flood risk profile. Flood risk varies by address — check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Virginia?

Insurance costs for flood cover in Virginia depend on the property's flood zone classification, elevation, and proximity to waterways. ClimateNest provides address-level insurance cost estimates based on your property's specific hazard exposure.

Does flood risk affect property values in Virginia?

Yes, flood risk can affect property values in Virginia. Properties in mapped flood zones may experience lower buyer demand, reduced valuations, and higher insurance costs. Lenders increasingly assess flood exposure as part of mortgage risk evaluation.

How does elevation affect flood risk in Virginia?

Elevation is a critical factor in flood risk. Properties at higher elevations within Virginia typically have lower flood exposure than those near waterways or in low-lying areas. Address-level elevation data combined with BOM flood mapping provides the most accurate picture.

What share of Virginia is exposed to high surface flood risk?

ClimateNest's hazard overlay maps 11.8% of Virginia in high-risk zones for surface flood, with a further 64.3% in moderate-risk zones. Suburb-level exposure is not uniform — individual properties can differ from these averages, so an address-level check is recommended.

Is Virginia Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Virginia, South Australia, covering flood, bushfire, sea level rise and more.

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What A$69 could save you from

$7.2B
2022 insured disaster losses*
$300B+
climate risk to property by 2050*
30-120%
insurance premium increases in high-risk areas*

*Industry sources: ICA, APRA, RBA

Full report from A$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections