📮 Bonshaw postcode: 3352

Flood Risk in Bonshaw, VIC: 2026 Assessment

Bonshaw, Victoria· City of Ballarat· 3352
Bonshaw faces a moderate flood risk, primarily due to its proximity to waterways and lower-lying areas. Recent development and increased rainfall intensity contribute to this risk.Updated 20 June 2026

Flood Risk Score

6.0/10

Bonshaw faces a moderate flood risk, primarily due to its proximity to waterways and lower-lying areas. Recent development and increased rainfall intensity contribute to this risk.

Key Facts

Flood Risk
Bonshaw faces a moderate flood risk, primarily due to its proximity to waterways and lower-lying areas. Recent development and increased rainfall intensity contribute to this risk.
Trend
increasing
Suburb
Bonshaw, VIC
Overall Risk
Medium
Postcode
3352
Highest high-risk exposure
13.3% of land (bushfire)

Flood Risk Analysis

Bonshaw, located in Victoria, 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 Victoria.

The Yarrowee Creek catchment has a history of flooding, with recent studies indicating potential for increased severity.

Bonshaw faces a moderate flood risk, primarily due to its proximity to waterways and lower-lying areas. Recent development and increased rainfall intensity contribute to this risk.

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.

Bonshaw sits within ClimateNest's suburb-level hazard model for flood risk. 7.2% of the suburb's land area is mapped in high-risk flood zones and 71.9% 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 Bonshaw.

Bonshaw (postcode 3352) 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 bushfire (13.3% of land in high-risk zones), surface flood (10.2% of land in high-risk zones), riverine flood (7.2% of land in high-risk zones). Exposure is not uniform across Bonshaw — 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 WaterwayYarrowee Creek
Elevation RangeApproximately 440-470m
Flood Zone ClassificationAreas adjacent to Yarrowee Creek and its tributaries are identified as flood-prone.

Historical Events

2022
Moderate

Widespread flooding across Victoria, including Ballarat, due to La Niña conditions. Yarrowee Creek overflowed its banks, impacting nearby properties and infrastructure.

2016
Moderate

Heavy rainfall led to localised flooding in Ballarat, with Yarrowee Creek experiencing elevated levels, causing minor inundation in low-lying areas near Bonshaw.

1993
Major

Significant flooding occurred along Yarrowee Creek, impacting areas of Ballarat West, including parts of Bonshaw, causing widespread property damage and disruption.

Adaptation & Mitigation Actions

Upgrade Stormwater Infrastructure

Near-term

Invest in upgrading and expanding stormwater drainage systems to better manage increased rainfall intensity and reduce localised flooding.

Est. cost: $$$

Implement Urban Greening Initiatives

Immediate

Increase tree planting and green spaces, particularly in heat-vulnerable areas, to mitigate the urban heat island effect and provide cooling.

Est. cost: $$

Develop Community Heatwave Response Plan

Immediate

Establish a clear plan for responding to heatwaves, including identifying vulnerable populations, establishing cooling centres, and public awareness campaigns.

Est. cost: $

Enhance Bushfire Preparedness Education

Near-term

Conduct regular workshops and distribute information on bushfire preparedness, including creating defendable space and having a household fire plan.

Est. cost: $

Promote Water-Sensitive Urban Design (WSUD)

Long-term

Incorporate WSUD principles in new developments and retrofits to manage stormwater runoff, improve water quality, and reduce flood impacts.

Est. cost: $$$

Council & Emergency Services

City of Ballarat
Emergency Services

Data last updated: 20 June 2026

Explore Bonshaw Risk Reports

Frequently Asked Questions

Is Bonshaw at risk of flooding?

Based on available data, Bonshaw 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 Bonshaw?

Insurance costs for flood cover in Bonshaw 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 Bonshaw?

Yes, flood risk can affect property values in Bonshaw. 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 Bonshaw?

Elevation is a critical factor in flood risk. Properties at higher elevations within Bonshaw 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 Bonshaw is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 13.3% of Bonshaw in high-risk zones for bushfire, with a further 58.5% 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 Bonshaw Safe from Climate Risk?

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

Free instant previewCSIRO-powered data

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