๐Ÿ“ฎ Rosebud postcode: 3939

Flood Risk in Rosebud, VIC: 2026 Assessment

Rosebud, Victoriaยท Mornington Peninsulaยท 3939
Rosebud faces a moderate risk of flooding, primarily from heavy rainfall events and stormwater runoff. The proximity to Port Phillip Bay also contributes to potential coastal flooding.Updated 1 Apr 2026

Flood Risk Score

6.0/10

Rosebud faces a moderate risk of flooding, primarily from heavy rainfall events and stormwater runoff. The proximity to Port Phillip Bay also contributes to potential coastal flooding.

Key Facts

Flood Risk
Rosebud faces a moderate risk of flooding, primarily from heavy rainfall events and stormwater runoff. The proximity to Port Phillip Bay also contributes to potential coastal flooding.
Trend
increasing
Suburb
Rosebud, VIC
Overall Risk
Medium
Postcode
3939
Highest high-risk exposure
11.9% of land (surface flood)

Flood Risk Analysis

Rosebud, 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.

Several properties in Rosebud are identified as being within a flood zone.

Rosebud faces a moderate risk of flooding, primarily from heavy rainfall events and stormwater runoff. The proximity to Port Phillip Bay also contributes to potential coastal 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.

Rosebud sits within ClimateNest's suburb-level hazard model for flood risk. 5.4% of the suburb's land area is mapped in high-risk flood zones and 77.2% 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 Rosebud.

Rosebud (postcode 3939) 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 (11.9% of land in high-risk zones), bushfire (6.4% of land in high-risk zones), riverine flood (5.4% of land in high-risk zones). Exposure is not uniform across Rosebud โ€” 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 WaterwayPort Phillip Bay
Elevation Range0-30 meters
Flood Zone ClassificationLand Subject to Inundation Overlay

Historical Events

2011
Moderate

Heavy rainfall caused flash flooding in Rosebud, affecting several properties and roads.

Adaptation & Mitigation Actions

Improve stormwater drainage

Near-term

Upgrade stormwater infrastructure to reduce the risk of flooding from heavy rainfall events.

Est. cost: Medium

Strengthen coastal defenses

Long-term

Implement coastal protection measures, such as seawalls and dune restoration, to mitigate the impacts of sea level rise and storm surges.

Est. cost: High

Develop a heatwave response plan

Immediate

Create a plan to protect vulnerable populations during heatwaves, including establishing cooling centers and providing public awareness campaigns.

Est. cost: Low

Reduce bushfire risk

Near-term

Implement bushfire mitigation measures, such as fuel reduction burns and community education programs.

Est. cost: Medium

Council & Emergency Services

Mornington Peninsula Shire Council
Emergency Services

Data last updated: 1 April 2026

Explore Rosebud Risk Reports

Frequently Asked Questions

Is Rosebud at risk of flooding?

Based on available data, Rosebud has a notable flood risk profile. Flood risk varies by address โ€” check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Rosebud?

Insurance costs for flood cover in Rosebud 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 Rosebud?

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

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

ClimateNest's hazard overlay maps 11.9% of Rosebud in high-risk zones for surface flood, with a further 60.9% in moderate-risk zones. Suburb-level exposure is not uniform โ€” individual properties can differ from these averages, so an address-level check is recommended.

Is Rosebud Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Rosebud, 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 ยท Australian addresses only ยท 8 hazard scores ยท Insurance trajectory ยท 2030 & 2050 projections