Fumina South Climate Risk Assessment

Fumina South, Victoria· Cardinia Shire Council· 3782
Medium Risk
Updated June 2026

Fumina South faces a medium overall climate risk, primarily driven by significant heatwave risks and moderate flood and bushfire concerns. While coastal impacts are minimal, residents should prepare for increasing extreme heat events and potential flooding.

Overall Risk Score

55/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
6.0
Bushfire
5.0
Heat
7.0
Coastal
1.0

Climate Hazard Breakdown for Fumina South

increasing

Flood

60/100

Moderate flood risk due to proximity to waterways and low-lying areas, with potential for increased intensity.

Key drivers:

  • ·Increased rainfall intensity
  • ·Urbanisation downstream
increasing

Bushfire

50/100

Moderate bushfire risk due to surrounding vegetation and historical fire activity in the region.

Key drivers:

  • ·Increased dry periods
  • ·Fuel load accumulation
increasing

Heat

70/100

High heat risk driven by increasing frequency and intensity of heatwaves, exacerbated by urban heat island effects.

Key drivers:

  • ·Rising average temperatures
  • ·More frequent extreme heat days
stable

Coastal

10/100

Negligible coastal risk due to significant distance from the coast.

stable

Wind

28/100

Moderate wind risk — cold fronts and gusty winds

stable

Storm

32/100

Moderate storm risk — severe thunderstorms

stable

Social

21/100

Moderate social stability

increasing

Energy

35/100

Moderate energy costs — heating and cooling needs

In-Depth Climate Risk Guides for Fumina South

Detailed Hazard Analysis

heat Risk

70/100

High heat risk driven by increasing frequency and intensity of heatwaves, exacerbated by urban heat island effects.

Primary Drivers

  • ·Rising average temperatures
  • ·More frequent extreme heat days
  • ·Reduced cooling breezes

Projections (RCP 4.5)

2030

7.5

2050

8.0

Data source

flood Risk

60/100

Moderate flood risk due to proximity to waterways and low-lying areas, with potential for increased intensity.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Urbanisation downstream
  • ·Land use changes

Projections (RCP 4.5)

2030

6.5

2050

7.0

Data source

coastal Risk

10/100

Negligible coastal risk due to significant distance from the coast.

Projections (RCP 4.5)

2030

1.0

2050

1.0

Data source

bushfire Risk

50/100

Moderate bushfire risk due to surrounding vegetation and historical fire activity in the region.

Primary Drivers

  • ·Increased dry periods
  • ·Fuel load accumulation
  • ·Climate change impacts

Projections (RCP 4.5)

2030

5.5

2050

6.0

Data source

What This Means for Property Owners

Insurance Outlook

Moderate increase in premiums expected due to increasing extreme weather events.

Price Impact

Potential for negative impact on property values in higher-risk zones, particularly for flood and bushfire.

Buyer Checklist

  • 1.Review flood maps and bushfire reports.
  • 2.Assess property's elevation and proximity to vegetation.
  • 3.Check insurance policy coverage and costs.
  • 4.Investigate local emergency services and evacuation plans.
  • 5.Consider passive cooling and fire-resistant building materials.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Cardinia Creek
Elevation Range
20-50 meters
Flood Zone
Low to Medium

The area is generally low-lying with some susceptibility to creek flooding after heavy rainfall.

View council flood map

Bushfire Evidence

Distance to Bushland
Adjacent to moderate bushland areas
Planning Overlay
Fire Danger Rating Areas
Bushfire Prone Area
Yes

Significant areas of bushland surround the suburb, increasing the potential for ember attack and direct flame contact during bushfires.

Heat Evidence

Avg January Max Temp
28.5°C
Heat Stress Days/Year
8 days

The region experiences a number of days above 35°C annually, with projections indicating an increase in these extreme heat events.

Coastal Evidence

Distance to Coast
75 km
Sea Level Rise Exposure
Very Low
Erosion Risk
Negligible

Historical Climate Events

2016
floodModerate

Significant rainfall led to localized flooding in low-lying areas of Fumina South and surrounding regions, impacting roads and some properties.

Source
2019
bushfireMajor

A large bushfire impacted the broader Cardinia Shire region, with Fumina South experiencing significant smoke and ember fall, requiring heightened vigilance.

Source
2020
heatwaveMajor

An extended period of extreme heat affected Victoria, with Fumina South experiencing multiple days above 40°C, straining infrastructure and posing health risks.

Source
2022
floodModerate

Heavy rainfall associated with La Niña conditions caused renewed flooding concerns along Cardinia Creek, impacting access roads.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP 4.5

HazardToday20302050
flood606.3(+0.3)6.5(+0.5)
bushfire505.2(+0.2)5.4(+0.4)
heat707.7(+0.7)8.2(+1.2)
coastal101.01.0

By 2030, Fumina South is projected to experience a moderate increase in overall climate risk, primarily driven by a significant rise in heatwave intensity and frequency. Flood and bushfire risks are also expected to see slight increases.

CSIRO Climate Projections

Adaptation Recommendations

Implement Sustainable Urban Drainage Systems (SuDS)

Near-term

Incorporate rain gardens, permeable pavements, and swales to manage stormwater runoff and reduce localized flooding.

Est. cost: $$

Learn more

Enhance Bushfire Preparedness and Defensible Space

Immediate

Encourage property owners to create and maintain defensible space around homes, using fire-resistant landscaping and materials.

Est. cost: $

Learn more

Promote Cool Roofs and Green Infrastructure

Near-term

Incentivize the use of cool roofing materials and increase tree canopy cover to mitigate the urban heat island effect.

Est. cost: $$

Learn more

Develop Community Heatwave Response Plans

Immediate

Establish community hubs and communication networks to support vulnerable residents during extreme heat events.

Est. cost: $

Learn more

Upgrade Stormwater Infrastructure

Long-term

Invest in upgrading existing stormwater drains and culverts to handle increased rainfall intensity and reduce flood risk.

Est. cost: $$$

Learn more

About Fumina South's Climate Risk Profile

Fumina South, located within the Cardinia Shire, presents a mixed climate risk profile for its residents. The suburb experiences a medium overall rating, largely influenced by a high susceptibility to extreme heat events. Projections indicate a worsening trend for heatwaves, with more frequent and intense periods of high temperatures expected in the coming decades.

Flood risk is a notable concern, stemming from the area's topography and proximity to local waterways. While not currently classified as a high-risk flood zone, the potential for flash flooding and riverine inundation exists, particularly during extreme rainfall events. Climate change is expected to exacerbate these risks through increased rainfall intensity, necessitating ongoing monitoring and preparedness.

Bushfire risk is also a factor for Fumina South, given its semi-rural setting and the presence of surrounding bushland. While not directly on the urban fringe of major fire events, the region has a history of bushfires, and the risk is projected to increase with drier conditions and more frequent fire weather days. Residents in or near vegetated areas should maintain vigilance and adhere to fire safety regulations.

In contrast, coastal hazards such as sea-level rise and storm surges are not a direct threat to Fumina South due to its inland location. This significantly mitigates one category of climate-related risk, allowing focus to remain on heat, flood, and bushfire preparedness. The overall resilience of the community will depend on effective adaptation strategies and robust emergency management planning.

Data sources: Bureau of Meteorology (BOM) · CSIRO · Country Fire Authority (CFA) · Geoscience Australia · Cardinia Shire Council

Local Government Resources

Frequently Asked Questions

What is the main climate risk for Fumina South?

The primary climate risk for Fumina South is extreme heat, with projections indicating more frequent and intense heatwaves. Flood and bushfire risks are also significant concerns.

Is Fumina South prone to flooding?

Fumina South has a moderate flood risk due to its proximity to Cardinia Creek and low-lying areas. While not a high-risk zone, flash flooding can occur after heavy rainfall.

What should I do to prepare for a bushfire in Fumina South?

Residents should maintain defensible space around their properties, have a bushfire plan, stay informed through CFA alerts, and consider fire-resistant building materials.

How will climate change affect temperatures in Fumina South?

Climate change is expected to increase average temperatures and lead to more frequent and severe heatwaves, with days over 35°C becoming more common.

Does Fumina South face risks from sea-level rise?

No, Fumina South is located far inland and does not face any direct risks from sea-level rise or coastal erosion.

Where can I find more information about climate risks in Cardinia Shire?

The Cardinia Shire Council website provides detailed information on local climate risks, emergency management plans, and adaptation strategies. You can also consult the Country Fire Authority (CFA) and the Bureau of Meteorology (BOM).

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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