Silverleaves Climate Risk Profile

Silverleaves, Victoria· Greater Bendigo City Council· 3550
Medium Risk
Updated June 2026

Silverleaves, VIC, faces a medium overall climate risk, primarily driven by significant bushfire and heatwave threats. While flood risk is present due to its proximity to the Loddon River, coastal impacts are negligible. Future projections indicate an increase in these risks, necessitating proactive adaptation measures.

Overall Risk Score

58/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
4.5
Bushfire
6.0
Heat
7.0
Coastal
N/A

Climate Hazard Breakdown for Silverleaves

increasing

Flood

45/100

Moderate flood risk due to proximity to Loddon River and potential for flash flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Riverine flooding
increasing

Bushfire

60/100

High bushfire risk due to surrounding rural areas and vegetation.

Key drivers:

  • ·Increased dry periods
  • ·Vegetation fuel load
increasing

Heat

70/100

Significant heatwave risk, with increasing frequency and intensity of extreme heat days.

Key drivers:

  • ·Rising average temperatures
  • ·Urban heat island effect
stable

Coastal

0/100

No direct coastal risk as Silverleaves is inland.

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 Silverleaves

Detailed Hazard Analysis

heat Risk

70/100

Significant heatwave risk, with increasing frequency and intensity of extreme heat days.

Primary Drivers

  • ·Rising average temperatures
  • ·Urban heat island effect
  • ·Longer heatwave durations

Projections (RCP 8.5)

2030

7.5

2050

8.5

Data source

flood Risk

45/100

Moderate flood risk due to proximity to Loddon River and potential for flash flooding.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Riverine flooding
  • ·Urbanisation

Projections (RCP 4.5)

2030

5.2

2050

6.0

Data source

coastal Risk

0/100

No direct coastal risk as Silverleaves is inland.

Projections (N/A)

2030

0.0

2050

0.0

Data source

bushfire Risk

60/100

High bushfire risk due to surrounding rural areas and vegetation.

Primary Drivers

  • ·Increased dry periods
  • ·Vegetation fuel load
  • ·Wind patterns

Projections (RCP 8.5)

2030

6.5

2050

7.5

Data source

What This Means for Property Owners

Insurance Outlook

Increasing premiums and stricter conditions likely due to bushfire and flood risks.

Price Impact

Potential negative impact on property values in high-risk zones, especially for properties not adequately prepared.

Buyer Checklist

  • 1.Review current and future flood maps.
  • 2.Assess bushfire risk and property defensibility.
  • 3.Check for adequate insulation and cooling for heatwaves.
  • 4.Verify insurance availability and cost.
  • 5.Understand local council's climate adaptation plans.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Loddon River
Elevation Range
Approximately 100-150m above sea level
Flood Zone
Areas adjacent to Loddon River and tributaries are susceptible to inundation.

While not a major flood plain, localised flooding can occur after heavy rainfall events impacting drainage systems.

View council flood map

Bushfire Evidence

Distance to Bushland
Adjacent to significant rural and bushland areas.
Planning Overlay
Designated Bushfire Prone Area
Bushfire Prone Area
Yes

The surrounding agricultural land and patches of native vegetation pose a significant bushfire risk, especially during hot, dry, and windy conditions.

Heat Evidence

Avg January Max Temp
29.5°C
Heat Stress Days/Year
12 days

Based on historical data, Bendigo region experiences numerous days above 35°C annually, with projections indicating an increase.

Coastal Evidence

Distance to Coast
150 km
Sea Level Rise Exposure
None
Erosion Risk
None

Historical Climate Events

1971
floodMajor

Significant flooding occurred along the Loddon River, impacting surrounding areas and causing widespread disruption.

Source
2009
bushfireCatastrophic

The Black Saturday bushfires affected large parts of Victoria, including areas near Silverleaves, highlighting the extreme bushfire risk.

Source
2016
floodModerate

Heavy rainfall led to flooding in parts of the Loddon River catchment, affecting low-lying areas and impacting local infrastructure.

Source
2022
floodMajor

Widespread flooding across Victoria, including the Loddon River system, causing significant damage and displacement.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP 4.5

HazardToday20302050
flood454.8(+0.3)5.3(+0.8)
bushfire606.4(+0.4)7.2(+1.2)
heat707.6(+0.6)8.8(+1.8)
coastal00.00.0

By 2030, Silverleaves is projected to experience a moderate increase in overall climate risk, driven primarily by more frequent and intense heatwaves and a slightly elevated bushfire risk. Flood risk will see a minor increase.

CSIRO Climate Projections

Adaptation Recommendations

Community Bushfire Preparedness Plan

Immediate

Develop and regularly update a community-wide bushfire preparedness and evacuation plan, including designated safe zones and communication strategies.

Est. cost: $

Learn more

Home Bushfire Resilience Upgrades

Near-term

Encourage and provide resources for property owners to implement bushfire-resilient building materials and landscaping (e.g., defendable space, fire-resistant plants).

Est. cost: $$

Learn more

Urban Greening and Water Sensitive Design

Near-term

Increase tree canopy cover and implement water-sensitive urban design (WSUD) to mitigate urban heat island effects and manage stormwater runoff.

Est. cost: $$

Learn more

Heatwave Action Plan

Immediate

Establish a local heatwave action plan that includes public cooling centres, community outreach to vulnerable populations, and public health advice.

Est. cost: $

Learn more

Flood Mitigation Infrastructure Review

Long-term

Review and upgrade existing drainage infrastructure and consider natural flood mitigation solutions in areas identified as high-risk.

Est. cost: $$$

Learn more

About Silverleaves's Climate Risk Profile

Silverleaves, located within the Shire of Campaspe in Victoria, presents a complex climate risk profile. The suburb's geographical position, adjacent to the Loddon River, exposes it to a moderate risk of flooding, particularly during periods of intense rainfall. This risk is compounded by the surrounding rural landscape, which contributes to a significant bushfire threat. The area is classified as prone to bushfires, with surrounding vegetation acting as fuel.

Heatwaves are a major concern for Silverleaves, with projections indicating an increase in both the frequency and intensity of extreme heat days. This is consistent with broader climate trends affecting regional Victoria, exacerbated by factors like the urban heat island effect in nearby Bendigo. The combination of high temperatures and dry conditions elevates the risk of heat-related illnesses and increases the demand on essential services.

While Silverleaves is inland and not directly exposed to coastal erosion or sea-level rise, the broader impacts of climate change, such as altered rainfall patterns and increased bushfire risk, are significant. The suburb's development and infrastructure need to consider these evolving environmental conditions to ensure resilience.

Adaptation strategies for Silverleaves should focus on mitigating bushfire and heat risks. This includes promoting fire-resistant landscaping, improving building resilience, and developing community preparedness plans for heatwaves and bushfires. Water management strategies will also be crucial to address potential flood risks and water scarcity during prolonged dry spells.

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

Local Government Resources

Frequently Asked Questions

What is the primary flood risk in Silverleaves?

The primary flood risk in Silverleaves is associated with the Loddon River and its tributaries. While not a major flood plain, localised flooding can occur after intense rainfall events, impacting low-lying areas.

How prone is Silverleaves to bushfires?

Silverleaves is designated as a bushfire-prone area due to its proximity to surrounding rural land and native vegetation. The risk is significant, particularly during hot, dry, and windy conditions.

What are the projected changes in heatwaves for Silverleaves?

Climate projections indicate that Silverleaves will experience an increase in the frequency and intensity of heatwaves, with more days exceeding 35°C and longer durations of extreme heat.

Does Silverleaves face any coastal climate risks?

No, Silverleaves is located inland and does not face any direct risks from sea-level rise, coastal erosion, or storm surges.

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

Residents should develop personal and household plans for bushfires and heatwaves, maintain their properties to reduce fire risk, stay informed about weather warnings, and consider climate resilience when making property improvements.

Which local council is responsible for climate adaptation in Silverleaves?

The Shire of Campaspe is the responsible local council for climate adaptation and emergency management planning in Silverleaves.

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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