Flood Risk in Billywillinga, VIC: 2026 Assessment

Billywillinga, Victoria
Moderate flood risk — riverine flooding in catchments and localised flash floodingUpdated 28 June 2026

Flood Risk Score

2.8/10

Moderate flood risk — riverine flooding in catchments and localised flash flooding

Key Facts

Flood Risk
Moderate flood risk — riverine flooding in catchments and localised flash flooding
Trend
increasing
Suburb
Billywillinga, VIC
Overall Risk
Moderate
Postcode
3509
Highest high-risk exposure
12.7% of land (surface flood)

Flood Risk Analysis

Billywillinga, located in Victoria, has a moderate 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.

Flood risk in Billywillinga is shaped by local topography and catchment characteristics. Even within a single suburb, elevation differences can significantly change flood exposure. Properties near waterways or in low-lying areas warrant closer assessment.

Moderate flood risk — riverine flooding in catchments and localised flash 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.

Billywillinga sits within ClimateNest's suburb-level hazard model for flood risk. 7.6% of the suburb's land area is mapped in high-risk flood zones and 83.5% 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 Billywillinga.

Billywillinga (postcode 3509) 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 surface flood (12.7% of land in high-risk zones), bushfire (11.2% of land in high-risk zones), riverine flood (7.6% of land in high-risk zones). Exposure is not uniform across Billywillinga — individual properties can sit well above or below these averages, so an address-level check is recommended before buying, selling or insuring.

Explore Billywillinga Risk Reports

Frequently Asked Questions

Is Billywillinga at risk of flooding?

Based on available data, Billywillinga has a moderate 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 Billywillinga?

Insurance costs for flood cover in Billywillinga 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 Billywillinga?

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

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

ClimateNest's hazard overlay maps 12.7% of Billywillinga in high-risk zones for surface flood, with a further 71.2% 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 Billywillinga Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Billywillinga, 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