Climate Risk Profile: Havilah, VIC

Havilah, Victoria· Benalla Rural City· 3678

Medium Risk

Updated June 2026

Havilah faces moderate risks from flooding and heatwaves, with bushfire risk also present. Climate change is expected to exacerbate these risks, particularly increasing the intensity of floods and the frequency of heatwaves. Residents should prepare for these changes.

Overall Risk Score

52/100

Medium

Confidence: Medium

Hazard Breakdown

Flood

6.5

Bushfire

4.0

Heat

6.0

Coastal

1.0

Climate Hazard Breakdown for Havilah

increasing

Flood

65/100

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

Key drivers:

·Increased rainfall intensity
·Proximity to waterways

increasing

Bushfire

40/100

The area around Havilah has a moderate bushfire risk due to surrounding vegetation. Drier conditions and higher temperatures are expected to increase the frequency and intensity of bushfires.

Key drivers:

·Drier conditions
·Higher temperatures

increasing

Heat

60/100

Havilah is likely to experience more frequent and intense heatwaves. Higher average temperatures can pose health risks, especially for vulnerable populations.

Key drivers:

·Rising average temperatures
·Increased frequency of heatwaves

stable

Coastal

10/100

Havilah is not directly exposed to coastal risks.

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 Havilah

Should I Buy

Property buying guide with climate risk assessment

Flood Risk

Flood zone mapping, historical events, and projections

Bushfire Risk

BAL assessment, vegetation proximity, and fire history

Climate Safety

Multi-hazard safety assessment to 2050

Storm Risk

Severe weather, hail, and wind risk analysis

Heat Risk

Extreme heat days, urban heat island, and cooling costs

Insurance Costs

Premium estimates and insurance availability

Investment Score

Climate-adjusted property investment analysis

Detailed Hazard Analysis

heat Risk

60/100

Havilah is likely to experience more frequent and intense heatwaves. Higher average temperatures can pose health risks, especially for vulnerable populations.

Primary Drivers

·Rising average temperatures
·Increased frequency of heatwaves

Projections (RCP8.5)

2030

6.5

2050

7.0

Data source

flood Risk

65/100

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

Primary Drivers

·Increased rainfall intensity
·Proximity to waterways
·Low-lying areas

Projections (RCP8.5)

2030

7.0

2050

7.5

Data source

coastal Risk

10/100

Havilah is not directly exposed to coastal risks.

Projections (RCP8.5)

2030

1.0

2050

1.0

Data source

bushfire Risk

40/100

The area around Havilah has a moderate bushfire risk due to surrounding vegetation. Drier conditions and higher temperatures are expected to increase the frequency and intensity of bushfires.

Primary Drivers

·Drier conditions
·Higher temperatures
·Surrounding vegetation

Projections (RCP8.5)

2030

4.5

2050

5.0

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to the increased risk of flooding and bushfires.

Price Impact

Properties in areas prone to flooding or bushfires may experience a decrease in value.

Buyer Checklist

1.Check flood maps and historical flood data.
2.Assess bushfire risk and implement mitigation measures.
3.Ensure adequate insurance coverage.
4.Consider the impact of climate change on property value.

Local Climate Evidence

Flood Evidence

Nearest Waterway: Broken River
Elevation Range: 170-180m
Flood Zone: Areas near the Broken River are susceptible to flooding.

Bushfire Evidence

Distance to Bushland: Within 1km of state forest
Planning Overlay: Bushfire Management Overlay
Bushfire Prone Area: Yes

Heat Evidence

Avg January Max Temp: 31.5°C
Heat Stress Days/Year: 3 days

Coastal Evidence

Distance to Coast: 200 km
Sea Level Rise Exposure: Not applicable
Erosion Risk: Not applicable

Historical Climate Events

2010

floodModerate

Significant flooding occurred in the region, impacting properties near the Broken River.

Source

2009

bushfireMajor

The Black Saturday bushfires impacted the region, highlighting the bushfire risk.

Source

2019

heatwaveModerate

A prolonged heatwave affected the region, with temperatures exceeding 40 degrees Celsius for several days.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP8.5

Hazard	Today	2030	2050
flood	65	7.0(+0.5)	7.5(+1.0)
bushfire	40	4.3(+0.3)	4.5(+0.5)
heat	60	6.7(+0.7)	7.2(+1.2)
coastal	10	1.0	1.0

By 2030, Havilah is projected to experience a moderate increase in overall climate risk, primarily driven by increased flooding and heatwave intensity.

CSIRO Climate Projections

Adaptation Recommendations

Improve Flood Defenses

Near-term

Invest in flood barriers and drainage improvements to protect properties from flooding.

Est. cost: Medium

Learn more

Bushfire Preparedness

Immediate

Clear vegetation around properties and develop a bushfire survival plan.

Est. cost: Low

Learn more

Heatwave Preparedness

Near-term

Install air conditioning or fans and ensure access to cooling centers during heatwaves.

Est. cost: Medium

Learn more

Community Education

Long-term

Provide education and resources to residents on climate change risks and adaptation strategies.

Est. cost: Low

Learn more

About Havilah's Climate Risk Profile

Havilah, located in Victoria, is subject to a range of climate-related risks that are projected to intensify in the coming decades. The primary concerns for Havilah are flooding, bushfires, and heatwaves. Changes in rainfall patterns and rising temperatures are key drivers of these risks.

Flooding is a significant concern due to the suburb's proximity to waterways. Increased rainfall intensity, driven by climate change, is expected to increase the frequency and severity of flood events. This poses a threat to properties and infrastructure in low-lying areas.

Bushfire risk is also present due to the surrounding vegetation. Drier conditions and higher temperatures are expected to increase the likelihood of bushfires, potentially impacting properties and the environment.

Heatwaves are another growing concern for Havilah. Rising average temperatures and more frequent heatwave events can pose health risks, especially for vulnerable populations such as the elderly and those with pre-existing health conditions.

Residents and property owners in Havilah should take proactive measures to adapt to these changing climate conditions. This includes implementing flood mitigation strategies, preparing for bushfire season, and taking steps to stay cool during heatwaves.

Data sources: BOM · CSIRO · Emergency Management Victoria

Local Government Resources

Benalla Rural City

Climate Strategy Flood Maps Emergency Services

Frequently Asked Questions

What are the main climate change risks for Havilah?

The main climate change risks for Havilah are increased flooding, more frequent and intense heatwaves, and a higher risk of bushfires.

How will climate change affect property values in Havilah?

Properties in areas prone to flooding or bushfires may experience a decrease in value due to the increased risks associated with climate change.

What can I do to prepare for increased flooding in Havilah?

You can improve flood defenses around your property, such as installing flood barriers and improving drainage. Check the council flood maps to understand your property's risk.

How can I protect my home from bushfires in Havilah?

Clear vegetation around your property, develop a bushfire survival plan, and ensure you have adequate insurance coverage.

What resources are available to help me prepare for climate change in Havilah?

The Benalla Rural City Council, Emergency Management Victoria, and the Bureau of Meteorology provide resources and information on climate change risks and adaptation strategies.