VIC478 suburbs assessed

Climate Risk in Victoria Suburbs

Victorian suburbs face significant bushfire risk in outer-metro and Dandenong Ranges communities, with flood risk concentrated in low-lying Melbourne suburbs along the Yarra, Maribyrnong, and Werribee catchments. Extreme heat events are increasing in frequency across the state.

BushfireFloodExtreme HeatStorm

Bayindeen

Pyrenees Shire

High
72/100 risk score

Bayindeen faces significant climate risks, particularly from bushfires and heatwaves.

Belgrave South

UNKNOWN

High
72/100 risk score

Belgrave South faces significant climate risks, particularly from bushfires and flooding.

Belgrave

UNKNOWN

High
72/100 risk score

Belgrave faces significant climate risks, particularly from bushfires and flooding.

Black Range

Northern Grampians Shire

High
72/100 risk score

Black Range faces significant climate-related risks, particularly from bushfires, heatwaves and flooding.

Buchan

East Gippsland Shire

High
72/100 risk score

Buchan is a rural town in East Gippsland, Victoria, facing increasing risks from flooding, bushfires, and heatwaves due to climate change.

Aireys Inlet

Surf Coast

Medium
58/100 risk score

Aireys Inlet faces increasing climate risks, particularly from bushfires, flooding, and coastal hazards.

Alexandra

Murrindindi

Medium
58/100 risk score

Alexandra, VIC, faces moderate risks from flooding, bushfires, and heatwaves.

Anglesea

Surf Coast

Medium
58/100 risk score

Anglesea faces a medium overall climate risk, with bushfire and flood risks being the most significant concerns.

Ararat

UNKNOWN

Medium
58/100 risk score

Ararat faces increasing risks from flooding, bushfires, and heatwaves due to climate change.

Bacchus Marsh

Moorabool

Medium
58/100 risk score

Bacchus Marsh faces increasing risks from flooding and heatwaves due to climate change.

Bairnsdale

East Gippsland Shire

Medium
58/100 risk score

Bairnsdale faces moderate climate risks, primarily from flooding and heatwaves.

Bellfield

Brimbank City Council

Medium
58/100 risk score

Bellfield, VIC, presents a medium overall climate risk, with heatwaves being the most significant concern due to urban heat island effects and rising temperatures.

Box Hill

Whitehorse

Medium
58/100 risk score

Box Hill faces increasing risks from flooding and heatwaves due to climate change.

Briar Hill

City of Banyule

Medium
58/100 risk score

Briar Hill, VIC, faces a medium overall climate risk, primarily driven by significant bushfire and heatwave threats.

Adams Estate

Cardinia Shire Council

Medium
55/100 risk score

Adams Estate faces a medium overall climate risk, primarily driven by increasing heatwave intensity and moderate flood risks.

Addington

Ballarat

Medium
55/100 risk score

Addington, VIC, presents a medium overall climate risk, with significant concerns around heatwaves and moderate risks from flooding and bushfires.

Allambee Reserve

Gippsland Shire Council

Medium
55/100 risk score

Allambee Reserve faces a medium overall climate risk, primarily driven by a high bushfire risk and an increasing flood risk.

Allambee

Gippsland South

Medium
55/100 risk score

Allambee, Victoria, faces a significant bushfire risk due to its location within a fire-prone area and surrounding vegetation.

Almurta

City of Monash

Medium
55/100 risk score

Almurta faces a medium overall climate risk, primarily driven by a high susceptibility to heatwaves due to urbanisation and a moderate flood risk from intense rainfall.

Anderson

City of Cardinia

Medium
55/100 risk score

Anderson, Victoria faces a medium overall climate risk, primarily driven by significant bushfire threats and increasing flood risks.

Archies Creek

Bass Coast Shire Council

Medium
55/100 risk score

Archies Creek, VIC, faces a medium overall climate risk, primarily driven by bushfire threats and increasing flood potential.

Ascot

City of Moonee Valley

Medium
55/100 risk score

Ascot, a well-established inner-northern suburb of Melbourne, faces a medium overall climate risk.

Aspendale

Kingston

Medium
55/100 risk score

Aspendale faces moderate climate risks, particularly from flooding, heatwaves, and coastal hazards.

Ballan

UNKNOWN

Medium
55/100 risk score

Ballan, Victoria, faces moderate risks from flooding and heatwaves, with increasing bushfire risk.

Ballarat East

City of Ballarat

Medium
55/100 risk score

Ballarat East faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Ballarat

City of Ballarat

Medium
55/100 risk score

Ballarat faces moderate risks from flooding and heatwaves, with increasing trends due to climate change.

Baw Baw

Baw Baw Shire Council

Medium
55/100 risk score

Baw Baw faces a medium overall climate risk, primarily driven by increasing heatwave intensity and moderate flood and bushfire risks.

Bemm River

UNKNOWN

Medium
55/100 risk score

Bemm River faces moderate risks from flooding, bushfires, heatwaves, and coastal hazards.

Bonshaw

City of Ballarat

Medium
55/100 risk score

Bonshaw, located in Victoria's City of Ballarat, faces a medium overall climate risk, with significant concerns around heatwaves and moderate risks from flooding.

Bornes Hill

Medium
55/100 risk score

Bornes Hill faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase with climate change.

Abbeyard

Alpine

Medium
52/100 risk score

Abbeyard faces increasing risks from flooding, bushfires, and heatwaves due to climate change.

Alfredton

City of Ballarat

Medium
52/100 risk score

Alfredton is a suburb in Victoria that faces moderate risks from flooding, bushfires, and heatwaves.

Apollo Bay

UNKNOWN

Medium
52/100 risk score

Apollo Bay faces increasing climate risks, particularly from flooding, bushfires, heatwaves, and coastal hazards.

Armstrong

Northern Grampians Shire

Medium
52/100 risk score

Armstrong faces increasing risks from bushfires, heatwaves and flooding due to climate change.

Bakery Hill

City of Ballarat

Medium
52/100 risk score

Bakery Hill faces moderate risks from flooding and heatwaves, with increasing bushfire risk.

Bald Hills

Northern Grampians Shire

Medium
52/100 risk score

Bald Hills faces moderate risks from flooding and heatwaves, with a lower risk from bushfires.

Ballarat Central

City of Ballarat

Medium
52/100 risk score

Ballarat Central faces moderate risks from flooding and heatwaves, which are projected to increase with climate change.

Ballarat North

City of Ballarat

Medium
52/100 risk score

Ballarat North faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase with climate change.

Ballyrogan

South Gippsland

Medium
52/100 risk score

Ballyrogan faces moderate climate risks, primarily from flooding, bushfires, heatwaves and coastal hazards.

Bannockburn

Golden Plains

Medium
52/100 risk score

Bannockburn faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase with climate change.

Barwidgee

Alpine

Medium
52/100 risk score

Barwidgee faces moderate climate risks, primarily from bushfires and flooding.

Barwon Heads

City of Greater Geelong

Medium
52/100 risk score

Barwon Heads faces increasing climate risks, particularly from flooding, heatwaves, and coastal hazards.

Beaumaris

Bayside

Medium
52/100 risk score

Beaumaris is a coastal suburb in Melbourne facing increasing climate risks, particularly from coastal hazards and heatwaves.

Benalla

Benalla Rural City

Medium
52/100 risk score

Benalla faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Bendigo

City of Greater Bendigo

Medium
52/100 risk score

Bendigo faces increasing risks from flooding, bushfires, and heatwaves due to climate change.

Black Hill

City of Ballarat

Medium
52/100 risk score

Black Hill, Victoria, faces moderate risks from flooding, bushfires, and heatwaves.

Black Rock

Bayside

Medium
52/100 risk score

Black Rock faces increasing climate risks, particularly from coastal hazards and heatwaves.

Blowhard

City of Ballarat

Medium
52/100 risk score

Blowhard, Victoria, faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase with climate change.

Bo Peep

Medium
52/100 risk score

Bo Peep faces moderate climate risks, particularly from flooding, heatwaves, and coastal hazards.

Bright

Alpine

Medium
52/100 risk score

Bright, VIC, faces moderate climate risks, primarily from flooding and bushfires.

Broadmeadows

Hume

Medium
52/100 risk score

Broadmeadows faces moderate climate risks, primarily from flooding and heatwaves.

Brown Hill

City of Ballarat

Medium
52/100 risk score

Brown Hill faces increasing risks from bushfires, heatwaves, and flooding due to climate change.

Brunswick

Moreland

Medium
52/100 risk score

Brunswick faces moderate climate risks, primarily from flooding and heatwaves.

Bruthen

East Gippsland Shire

Medium
52/100 risk score

Bruthen faces moderate risks from flooding, bushfires, and heatwaves, which are expected to increase with climate change.

Buangor

Pyrenees Shire

Medium
52/100 risk score

Buangor faces increasing risks from bushfires, heatwaves and flooding due to climate change.

Bass

Bass Coast Shire Council

Medium
45/100 risk score

Bass faces a medium overall climate risk, with bushfire posing the most significant threat due to its location in a fire-prone area.

Altona

Unknown

Assessment in progress

Ballarat

Moderate

Assessment in progress

Bendigo

Moderate

Assessment in progress

Brighton

Unknown

Assessment in progress

About Climate Risk in Victoria

Victorian suburbs face significant bushfire risk in outer-metro and Dandenong Ranges communities, with flood risk concentrated in low-lying Melbourne suburbs along the Yarra, Maribyrnong, and Werribee catchments. Extreme heat events are increasing in frequency across the state.

ClimateNest suburb assessments are built using Bureau of Meteorology (BOM) historical hazard data, CSIRO future climate projections under SSP2-4.5 and RCP8.5 scenarios, state-specific hazard overlays from emergency services and planning authorities, and actuarial data. Every assessment includes current hazard scores (0–100), projected scores for 2030 and 2050, local geographic evidence, insurance outlook, and property owner recommendations.

All Victoria Suburbs (478)
Abbeyard VICAdams Estate VICAddington VICAireys Inlet VICAlexandra VICAlfredton VICAllambee Reserve VICAllambee VICAlmurta VICAltona VICAnderson VICAnglesea VICApollo Bay VICArarat VICArchies Creek VICArmstrong VICAscot VICAspendale VICBacchus Marsh VICBairnsdale VICBakery Hill VICBald Hills VICBallan VICBallaratBallarat Central VICBallarat East VICBallarat North VICBallarat VICBallyrogan VICBannockburn VICBarwidgee VICBarwon Heads VICBass VICBaw Baw VICBayindeen VICBeaumaris VICBelgrave South VICBelgrave VICBellfield VICBemm River VICBenalla VICBendigoBendigo VICBlack Hill VICBlack Range VICBlack Rock VICBlowhard VICBo Peep VICBonshaw VICBornes Hill VICBox Hill VICBriar Hill VICBright VICBrighton VICBroadmeadows VICBrown Hill VICBrunswick VICBruthen VICBuangor VICBuchan VICBuckland VICBuffalo River VICBuln Buln East VICBuln Buln VICBundoora VICBuninyong VICBunkers Hill VICBurrumbeet VICCamberwell VICCanadian VICCann River VICCape Paterson VICCape Woolamai VICCardigan VICCardigan Village VICCarrum Downs VICCarrum VICCastlemaine VICCathcart VICChadstone VICChatsworth VICChelsea VICCheltenham VICChurchill Island VICChurchill VICClifton Springs VICCoalville VICCobblebank VICCobram VICCobungra VICCoburg VICCoghills Creek VICCollingwood VICCoral Bank VICCorinella VICCorio VICCoronet Bay VICCorryong VICCowes VICCraigieburn VICCreswick VICCrowlands VICCroydon VICDadswells Bridge VICDalyston VICDandenong VICDandongadale VICDargo VICDarnum VICDaylesford VICDederang VICDelacombe VICDenicull Creek VICDiamond Creek VICDinner Plain VICDobie VICDoncaster VICDromana VICDrouin East VICDrouin VICDrouin West VICDunkeld VICDunneworthy VICDurham Lead VICEaglehawk VICEaglemont VICEchuca VICEchuca Village VICEdi Upper VICEdithvale VICEildon VICElmhurst VICEltham North VICEltham VICEmerald VICEpping VICErcildoune VICErica VICEureka VICEurobin VICEversley VICFalls Creek VICFerntree Gully VICFitzroy VICFrankston VICFreeburgh VICFremantle VICFumina South VICFumina VICGapsted VICGeelongGeelong VICGembrook VICGermantown VICGisborne VICGlen Creek VICGlen Forbes VICGlen Park VICGlen Waverley VICGlendaruel VICGlendonald VICGlenlogie VICGlenthompson VICGolden Point VICGong Gong VICGrantville VICGreat Western VICGreensborough VICGundowring VICHalls Gap VICHamilton VICHampton VICHarmers Haven VICHarrietville VICHastings VICHavilah VICHawthorn VICHealesville VICHeidelberg Heights VICHeidelberg VICHeidelberg West VICHeyfield VICHighett VICHoppers Crossing VICHorsham VICHotham Heights VICIcy Creek VICInverloch VICInvermay Park VICInvermay VICIvanhoe East VICIvanhoe VICJacob Creek VICJam Jerrup VICJindivick VICKancoona VICKangaroo Flat VICKerang VICKergunyah South VICKernot VICKialla West VICKilcunda VICKilmore VICKinglake VICKinglake West VICKongwak VICKorumburra VICKyabram VICKyneton VICLabertouche VICLake Bolac VICLake Gardens VICLake Wendouree VICLakes Entrance VICLakeside VICLance Creek VICLang Lang VICLangi Logan VICLara VICLaunching Place VICLaverton VICLearmonth VICLilydale VICLismore VICLoch Sport VICLoch VICLong Gully VICLongwarry VICLorne VICLower Plenty VICLucas VICMacedon VICMacleod VICMafeking VICMaffra VICMagpie VICMallacoota VICManly VICManningham VICMaribyrnong VICMarlo VICMaroona VICMaryborough VICMarysville VICMelbourneMelbourne Cbd VICMelbourne VICMelton South VICMelton VICMelton West VICMentone VICMerriang South VICMerriang VICMiddle Creek VICMildura VICMiners Rest VICMininera VICMitchell Park VICMoe South VICMoe VICMonbulk VICMongans Bridge VICMontmorency VICMoondarra VICMoorabbin VICMooroolbark VICMooroopna VICMordialloc VICMornington VICMorwell VICMount Beauty VICMount Bolton VICMount Buffalo VICMount Clear VICMount Cole Creek VICMount Cole VICMount Helen VICMount Macedon VICMount Pleasant VICMount Rowan VICMount Waverley VICMoyston VICMudgegonga VICMurchison VICMyrtleford VICNarracan VICNarrapumelap South VICNayook VICNeerim East VICNeerim Junction VICNeerim North VICNeerim South VICNerrin Nerrin VICNerrina VICNewhaven VICNewington VICNilma North VICNoble Park VICNoojee VICNoosa VICNorlane VICNorth Geelong VICNorth Wonthaggi VICNorthcote VICNorval VICNsw VICNug Nug VICNumurkah VICOakleigh VICOcean Grove VICOlinda VICOmeo VICOrbost VICOuttrim VICOvens VICPark Orchards VICPatterson Lakes VICPaynesville VICPiedmont VICPioneer Bay VICPlenty VICPoint Cook VICPoint Lonsdale VICPomonal VICPorepunkah VICPort Albert VICPort Campbell VICPort Fairy VICPort Melbourne VICPort Welshpool VICPortarlington VICPortsea VICPound Creek VICPreston VICPrincetown VICPura Pura VICQld VICQueenscliff VICRawson VICRedan VICReservoir VICRhyll VICRhymney VICRichmondRichmond VICRingwood VICRocky Point VICRomsey VICRosanna VICRosebud VICRosebud West VICRosewhite VICRossbridge VICRoxburgh Park VICRunning Creek VICRyanston VICRye VICSale VICSan Remo VICSandringham VICSassafras VICScotchmans Lead VICScotsburn VICSeaford VICSebastopol VICSelwyn VICSeymour VICShady Creek VICShepparton VICSilverleaves VICSmiths Beach VICSmoko VICSmythes Creek VICSoldiers Hill VICSomerville VICSorrento VICSouth Dudley VICSouth Yarra VICSpringvale VICSt Arnaud VICSt Clair VICSt Helena VICSt Kilda VICStavely VICStawell VICStratford VICStrathfieldsaye VICStreatham VICSulky VICSummerlands VICSunbury VICSunderland Bay VICSunset Strip VICSurf Beach VICSwan Hill VICTanjil Bren VICTanjil South VICTarneit VICTatura VICTatyoon VICTawonga South VICTawonga VICTemplestowe VICTenby Point VICTetoora Road VICThe Gurdies VICThomson VICThorpdale South VICThorpdale VICToorak VICTorquay VICTorwood VICTourello VICTrafalgar East VICTrafalgar South VICTrafalgar VICTraralgon VICTrida VICTruganina VICUpper Gundowring VICUpwey VICVentnor VICVenus Bay VICVesper VICVic VICViewbank VICWa VICWallan VICWandiligong VICWangaratta VICWantirna VICWarburton VICWarracknabeal VICWarragul VICWarrak VICWarrandyte South VICWarrandyte VICWarrenheip VICWarrnambool VICWartook VICWatsonia North VICWatsonia VICWattle Bank VICWattle Flat VICWattle Glen VICWaubra VICWeatherboard VICWendouree VICWerribee South VICWerribee VICWest Creek VICWestbury VICWestmere VICWickliffe VICWillaura North VICWillaura VICWilliamstown VICWillow Grove VICWimbledon Heights VICWindermere VICWodonga VICWongungarra VICWonnangatta VICWonthaggi VICWoodend VICWoodleigh VICWoolamai VICWoorndoo VICWyndham Vale VICWynnum VICYalla Y Poora VICYallambie VICYarra Glen VICYarragon South VICYarragon VICYarram VICYarrawonga VICYea VIC

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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