๐Ÿ“ฎ Cathcart postcode: 3377

Flood Risk in Cathcart, VIC: 2026 Assessment

Cathcart, Victoriaยท Ararat Rural Cityยท 3377
Cathcart faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to localized flooding.Updated 1 June 2026

Flood Risk Score

4.5/10

Cathcart faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to localized flooding.

Key Facts

Flood Risk
Cathcart faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to localized flooding.
Trend
increasing
Suburb
Cathcart, VIC
Overall Risk
Medium
Postcode
3377
Highest high-risk exposure
14.9% of land (bushfire)

Flood Risk Analysis

Cathcart, 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.

Historical flood events have been recorded along the Hopkins River.

Cathcart faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to localized flooding.

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.

Cathcart 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 75.7% 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 Cathcart.

Cathcart (postcode 3377) 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 (14.9% of land in high-risk zones), riverine flood (7.2% of land in high-risk zones), surface flood (7.2% of land in high-risk zones). Exposure is not uniform across Cathcart โ€” 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 WaterwayHopkins River
Elevation Range250-300m
Flood Zone ClassificationLow-lying areas near Hopkins River

Historical Events

2011
Moderate

Flooding along the Hopkins River affected low-lying areas in and around Cathcart.

Adaptation & Mitigation Actions

Develop a Bushfire Survival Plan

Immediate

Create a detailed plan for protecting your family and property in the event of a bushfire. This should include evacuation routes, emergency contacts, and a list of essential items to take with you.

Est. cost: Low

Improve Home Insulation

Near-term

Proper insulation can help keep your home cooler during heatwaves and reduce energy consumption. Consider installing insulation in your walls, ceilings, and floors.

Est. cost: Medium

Install a Rainwater Tank

Long-term

Collect rainwater for use in your garden or for flushing toilets. This can help reduce your reliance on mains water and conserve water resources.

Est. cost: Medium

Support Local Fire Brigade

Immediate

Volunteer with or donate to the local Country Fire Authority (CFA) to support their efforts in protecting the community from bushfires.

Est. cost: Low

Council & Emergency Services

Ararat Rural City
Emergency Services

Data last updated: 1 June 2026

Explore Cathcart Risk Reports

Frequently Asked Questions

Is Cathcart at risk of flooding?

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

What flood insurance costs can I expect in Cathcart?

Insurance costs for flood cover in Cathcart 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 Cathcart?

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

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

ClimateNest's hazard overlay maps 14.9% of Cathcart in high-risk zones for bushfire, with a further 63.2% in moderate-risk zones. Suburb-level exposure is not uniform โ€” individual properties can differ from these averages, so an address-level check is recommended.

Is Cathcart Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Cathcart, 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 ยท Australian addresses only ยท 8 hazard scores ยท Insurance trajectory ยท 2030 & 2050 projections