Flood Risk in Kyabram, VIC: 2026 Assessment

Kyabram, Victoria· UNKNOWN
Kyabram faces a moderate risk of flooding due to its proximity to the Goulburn River and surrounding waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and potentially disrupting infrastructure.Updated 2 Apr 2026

Flood Risk Score

6.5/10

Kyabram faces a moderate risk of flooding due to its proximity to the Goulburn River and surrounding waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and potentially disrupting infrastructure.

Key Facts

Flood Risk
Kyabram faces a moderate risk of flooding due to its proximity to the Goulburn River and surrounding waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and potentially disrupting infrastructure.
Trend
increasing
Suburb
Kyabram, VIC
Overall Risk
Medium
Postcode
3620
Highest high-risk exposure
20.5% of land (bushfire)

Flood Risk Analysis

Kyabram, 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 data indicates that Kyabram has experienced several flooding events in the past, highlighting the ongoing risk.

Kyabram faces a moderate risk of flooding due to its proximity to the Goulburn River and surrounding waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and potentially disrupting infrastructure.

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.

Kyabram sits within ClimateNest's suburb-level hazard model for flood risk. 3.7% of the suburb's land area is mapped in high-risk flood zones and 88% 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 Kyabram.

Kyabram (postcode 3620) 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 (20.5% of land in high-risk zones), surface flood (8.6% of land in high-risk zones), riverine flood (3.7% of land in high-risk zones). Exposure is not uniform across Kyabram — 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 WaterwayGoulburn River
Elevation Range117m - 125m
Flood Zone ClassificationAreas near the Goulburn River are designated as flood zones.

Historical Events

2017
Moderate

Heavy rainfall caused localized flooding in Kyabram, affecting some residential areas.

2010
Moderate

Significant flooding occurred in the Goulburn River, impacting low-lying areas of Kyabram.

1993
Major

Major flooding event along the Goulburn River, causing widespread damage in Kyabram and surrounding areas.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in infrastructure improvements to protect against flooding, such as levees and improved drainage systems.

Est. cost: High

Develop Heatwave Management Plan

Immediate

Implement a comprehensive heatwave management plan to protect vulnerable populations during extreme heat events.

Est. cost: Medium

Promote Fire Safety Awareness

Near-term

Educate residents about fire safety guidelines and encourage property maintenance to reduce bushfire risk.

Est. cost: Low

Upgrade Building Insulation

Long-term

Encourage homeowners to improve building insulation to reduce energy consumption and improve thermal comfort during heatwaves.

Est. cost: Medium

Enhance Emergency Response Capabilities

Near-term

Strengthen local emergency response capabilities to effectively manage climate-related disasters.

Est. cost: Medium

Council & Emergency Services

Campaspe Shire Council
Emergency Services

Data last updated: 2 April 2026

Explore Kyabram Risk Reports

Frequently Asked Questions

Is Kyabram at risk of flooding?

Based on available data, Kyabram 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 Kyabram?

Insurance costs for flood cover in Kyabram 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 Kyabram?

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

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

ClimateNest's hazard overlay maps 20.5% of Kyabram in high-risk zones for bushfire, with a further 63.5% 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 Kyabram Safe from Climate Risk?

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

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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