๐Ÿ“ฎ San Remo postcode: 3925

Flood Risk in San Remo, VIC: 2026 Assessment

San Remo, Victoriaยท Bass Coast Shire Councilยท 3925
Low to moderate flood risk, primarily from minor inundation during extreme rainfall events and potential storm surge impacts.Updated 28 June 2026

Flood Risk Score

4.0/10

Low to moderate flood risk, primarily from minor inundation during extreme rainfall events and potential storm surge impacts.

Key Facts

Flood Risk
Low to moderate flood risk, primarily from minor inundation during extreme rainfall events and potential storm surge impacts.
Trend
increasing
Suburb
San Remo, VIC
Overall Risk
Medium
Postcode
3925
Highest high-risk exposure
10.4% of land (bushfire)

Flood Risk Analysis

San Remo, 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.

Properties closest to the foreshore are most at risk from tidal inundation and storm surge.

Low to moderate flood risk, primarily from minor inundation during extreme rainfall events and potential storm surge impacts.

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.

San Remo sits within ClimateNest's suburb-level hazard model for flood risk. 10.2% of the suburb's land area is mapped in high-risk flood zones and 80.2% 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 San Remo.

San Remo (postcode 3925) 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 (10.4% of land in high-risk zones), riverine flood (10.2% of land in high-risk zones), surface flood (9.9% of land in high-risk zones). Exposure is not uniform across San Remo 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 WaterwayWestern Port Bay
Elevation Range0-10m above sea level
Flood Zone ClassificationCoastal inundation and storm tide prone areas

Historical Events

2021
Minor

Heavy rainfall led to localized flooding in low-lying areas of San Remo and surrounding coastal towns, impacting roads and some properties.

Adaptation & Mitigation Actions

Coastal Defence and Dune Restoration

Near-term

Implement and maintain robust coastal defence structures (e.g., seawalls, groynes) and invest in dune restoration programs to mitigate erosion and inundation from sea level rise and storm surges.

Est. cost: $$$$

Heatwave Action Plan

Immediate

Develop and implement a comprehensive heatwave action plan, including establishing cooling centres, public awareness campaigns on heat safety, and upgrading infrastructure to improve thermal resilience.

Est. cost: $$

Bushfire Preparedness and Fuel Management

Near-term

Enhance bushfire preparedness through strategic fuel management in surrounding areas, community education on Fire Danger Ratings, and ensuring properties comply with the Fire Regulations.

Est. cost: $$

Stormwater Management and Flood Mitigation

Near-term

Upgrade stormwater drainage systems to cope with increased rainfall intensity and implement localized flood mitigation measures in known inundation hotspots.

Est. cost: $$$

Building Code Updates for Resilience

Long-term

Advocate for and adopt updated building codes that mandate higher standards for resilience against coastal hazards, extreme heat, and bushfire threats.

Est. cost: $$

Council & Emergency Services

Bass Coast Shire Council
Emergency Services

Data last updated: 28 June 2026

Explore San Remo Risk Reports

Frequently Asked Questions

Is San Remo at risk of flooding?

Based on available data, San Remo 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 San Remo?

Insurance costs for flood cover in San Remo 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 San Remo?

Yes, flood risk can affect property values in San Remo. 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 San Remo?

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

ClimateNest's hazard overlay maps 10.4% of San Remo in high-risk zones for bushfire, with a further 78.3% 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 San Remo Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for San Remo, 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