Climate Risk Assessment for Rhyll, Victoria

Rhyll, Victoria· Bass Coast Shire Council· 3923
Medium Risk
Updated June 2026

Rhyll, Victoria, faces a medium overall climate risk, with significant threats from coastal inundation and heatwaves. While bushfire risk is lower, sea level rise and increased storm intensity are projected to worsen flood and coastal hazards.

Overall Risk Score

58/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
4.5
Bushfire
3.0
Heat
6.5
Coastal
7.0

Climate Hazard Breakdown for Rhyll

increasing

Flood

45/100

Rhyll has a moderate flood risk, primarily due to its low-lying coastal position and proximity to tidal waters. While major riverine flooding is unlikely, storm surges and king tides can inundate low-lying areas.

Key drivers:

  • ·Sea level rise
  • ·Increased storm intensity
stable

Bushfire

30/100

Rhyll has a low to moderate bushfire risk. While not directly adjacent to large tracts of dense bushland, surrounding vegetation and the potential for ember attack from nearby areas pose a risk, particularly during hot, dry conditions.

Key drivers:

  • ·Vegetation type
  • ·Weather patterns
increasing

Heat

65/100

Rhyll experiences a significant heat risk, with a high number of hot days per year and increasing average temperatures. Coastal breezes offer some relief, but prolonged heatwaves can still impact the area.

Key drivers:

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves
increasing

Coastal

70/100

Rhyll faces a high coastal risk due to its low elevation and exposure to the sea. Sea level rise, increased storm surge, and coastal erosion are significant threats to infrastructure and natural environments.

Key drivers:

  • ·Sea level rise
  • ·Increased storm intensity
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 Rhyll

Detailed Hazard Analysis

heat Risk

65/100

Rhyll experiences a significant heat risk, with a high number of hot days per year and increasing average temperatures. Coastal breezes offer some relief, but prolonged heatwaves can still impact the area.

Primary Drivers

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves
  • ·Urban heat island effect (minor)

Projections (RCP 8.5)

2030

7.2

2050

8.0

Data source

flood Risk

45/100

Rhyll has a moderate flood risk, primarily due to its low-lying coastal position and proximity to tidal waters. While major riverine flooding is unlikely, storm surges and king tides can inundate low-lying areas.

Primary Drivers

  • ·Sea level rise
  • ·Increased storm intensity
  • ·King tides

Projections (RCP 8.5)

2030

5.2

2050

6.5

Data source

coastal Risk

70/100

Rhyll faces a high coastal risk due to its low elevation and exposure to the sea. Sea level rise, increased storm surge, and coastal erosion are significant threats to infrastructure and natural environments.

Primary Drivers

  • ·Sea level rise
  • ·Increased storm intensity
  • ·Coastal erosion

Projections (RCP 8.5)

2030

7.8

2050

9.0

Data source

bushfire Risk

30/100

Rhyll has a low to moderate bushfire risk. While not directly adjacent to large tracts of dense bushland, surrounding vegetation and the potential for ember attack from nearby areas pose a risk, particularly during hot, dry conditions.

Primary Drivers

  • ·Vegetation type
  • ·Weather patterns
  • ·Human activity

Projections (RCP 8.5)

2030

3.2

2050

3.5

Data source

What This Means for Property Owners

Insurance Outlook

Increasing premiums and potential for reduced cover in high-risk coastal zones.

Price Impact

Potential negative impact on property values in highly exposed areas, especially with worsening coastal and flood risks.

Buyer Checklist

  • 1.Check flood maps and sea level rise projections.
  • 2.Assess proximity to coastal erosion zones.
  • 3.Review bushfire risk and evacuation routes.
  • 4.Investigate local heatwave resilience measures.
  • 5.Understand insurance availability and cost.
  • 6.Inquire about property elevation and drainage.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Western Port Bay
Elevation Range
0-5 meters above sea level
Flood Zone
Coastal inundation, tidal influence

The low elevation and direct exposure to Western Port Bay make Rhyll susceptible to tidal flooding and storm surges.

View council flood map

Bushfire Evidence

Distance to Bushland
Variable, generally within 1-3 km
Planning Overlay
Fire Danger Rating Areas, potentially ember attack zones
Bushfire Prone Area
Yes

While not in a high-density forest, surrounding grasslands and coastal vegetation can contribute to fire spread.

Heat Evidence

Avg January Max Temp
25.5°C
Heat Stress Days/Year
12 days

Average temperatures are rising, and the frequency of days exceeding 35°C is increasing, particularly in recent decades.

Coastal Evidence

Distance to Coast
0.1 km
Sea Level Rise Exposure
High
Erosion Risk
Moderate to High

Historical Climate Events

1971
coastalModerate

Significant storm surge event caused coastal erosion and minor inundation along parts of Phillip Island's coast, impacting low-lying areas.

Source
1998
heatwaveMajor

A severe heatwave affected Victoria, with temperatures exceeding 40°C for several consecutive days. Coastal areas like Rhyll experienced significant heat stress.

Source
2016
floodMinor

King tides combined with storm activity led to minor inundation in low-lying coastal areas around Western Port Bay, including sections near Rhyll.

Source
2022
stormModerate

Intense rainfall and strong winds caused localized flooding and damage across Phillip Island, with coastal areas experiencing higher water levels.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP 8.5

HazardToday20302050
flood455.2(+0.7)6.0(+1.5)
bushfire303.1(+0.1)3.3(+0.3)
heat657.4(+0.9)8.2(+1.7)
coastal707.8(+0.8)8.9(+1.9)

By 2030, Rhyll is projected to experience a noticeable increase in overall climate risk, driven primarily by more frequent and intense heatwaves and a higher likelihood of coastal inundation due to sea level rise and storm surges.

CSIRO Climate Projections

Adaptation Recommendations

Coastal Defence and Dune Restoration

Near-term

Implement or upgrade coastal defence structures (e.g., seawalls, revetments) and actively restore and vegetate coastal dunes to mitigate erosion and inundation.

Est. cost: $500,000 - $2,000,000+

Learn more

Heatwave Action Plan and Cooling Centres

Immediate

Develop a comprehensive heatwave action plan, including establishing public cooling centres and implementing public health campaigns to raise awareness about heat stress.

Est. cost: $50,000 - $200,000

Learn more

Stormwater Management and Flood Mitigation

Near-term

Upgrade stormwater drainage systems and consider nature-based solutions like rain gardens and permeable pavements to manage increased rainfall intensity and reduce localized flooding.

Est. cost: $200,000 - $1,000,000

Learn more

Bushfire Preparedness and Fuel Management

Immediate

Maintain defensible space around properties, participate in community fire-safe programs, and ensure adherence to CFA guidelines for vegetation management.

Est. cost: $100 - $1,000 per property

Learn more

Building Code Updates for Resilience

Long-term

Advocate for and adopt updated building codes that incorporate climate resilience, particularly for new constructions in flood-prone and coastal areas.

Est. cost: Variable (integrated into construction costs)

Learn more

About Rhyll's Climate Risk Profile

Rhyll, a charming coastal village on Phillip Island, Victoria, is increasingly exposed to the impacts of climate change. Its low-lying topography and direct adjacency to Western Port Bay place it at a considerable risk from coastal hazards, including sea level rise, storm surges, and erosion. While the immediate threat of major riverine flooding is minimal, the combination of higher sea levels and more intense storm events elevates the risk of inundation during extreme weather.

The suburb also experiences a significant and growing risk from heatwaves. With a high number of hot days annually and a clear warming trend, residents are increasingly vulnerable to heat stress. While the coastal location can offer some moderation, prolonged periods of extreme heat, exacerbated by climate change, pose a substantial health and lifestyle challenge.

Bushfire risk in Rhyll is generally considered moderate. Although not surrounded by dense, continuous bushland, the presence of vegetation on Phillip Island and the potential for wind-blown embers mean that fire remains a concern, particularly during dry, hot, and windy conditions. Preparedness and awareness are crucial for mitigating this risk.

Looking ahead, climate projections indicate an intensification of these risks. Sea levels are expected to continue rising, increasing the frequency and severity of coastal inundation and erosion. Heatwaves are projected to become more frequent, longer-lasting, and more intense. These changes will necessitate proactive adaptation and resilience-building measures to protect the community and its environment.

Data sources: Bureau of Meteorology (BOM) · CSIRO · CFA - Country Fire Authority · SES - State Emergency Service Victoria · Bass Coast Shire Council · Geoscience Australia · Victorian Building Authority (VBA)

Local Government Resources

Frequently Asked Questions

What is the main flood risk for Rhyll?

The main flood risk for Rhyll is coastal inundation from storm surges and king tides due to its low-lying position on Western Port Bay. Riverine flooding is not a significant concern.

How will sea level rise affect Rhyll?

Sea level rise will increase the frequency and severity of coastal inundation, exacerbate coastal erosion, and potentially impact properties and infrastructure closest to the bay.

Is Rhyll prone to bushfires?

Rhyll has a moderate bushfire risk. While not directly surrounded by dense forests, surrounding vegetation and ember attack from nearby areas are potential concerns during high-risk fire weather.

What are the projected temperature changes for Rhyll?

Projections indicate Rhyll will experience warmer average temperatures and a significant increase in the frequency and intensity of heatwaves, posing risks of heat stress.

What can residents do to prepare for climate risks in Rhyll?

Residents should develop a household emergency plan, stay informed about weather warnings, maintain properties (e.g., clear gutters, manage vegetation), and consider climate-resilient building or renovation options.

Does Rhyll have specific coastal management plans?

Bass Coast Shire Council is responsible for coastal management and has strategies in place, which may include dune restoration and coastal defence considerations for areas like Rhyll.

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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