๐Ÿ“ฎ Silverleaves postcode: 3550

Flood Risk in Silverleaves, VIC: 2026 Assessment

Silverleaves, Victoriaยท Greater Bendigo City Councilยท 3550
Moderate flood risk due to proximity to Loddon River and potential for flash flooding.Updated 21 June 2026

Flood Risk Score

4.5/10

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

Key Facts

Flood Risk
Moderate flood risk due to proximity to Loddon River and potential for flash flooding.
Trend
increasing
Suburb
Silverleaves, VIC
Overall Risk
Medium
Postcode
3922
Highest high-risk exposure
13.2% of land (bushfire)

Flood Risk Analysis

Silverleaves, 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.

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

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

Silverleaves sits within ClimateNest's suburb-level hazard model for flood risk. 5.9% of the suburb's land area is mapped in high-risk flood zones and 83.3% 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 Silverleaves.

Silverleaves (postcode 3922) 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 (13.2% of land in high-risk zones), surface flood (11.6% of land in high-risk zones), riverine flood (5.9% of land in high-risk zones). Exposure is not uniform across Silverleaves 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 WaterwayLoddon River
Elevation RangeApproximately 100-150m above sea level
Flood Zone ClassificationAreas adjacent to Loddon River and tributaries are susceptible to inundation.

Historical Events

2022
Major

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

2016
Moderate

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

1971
Major

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

Adaptation & Mitigation Actions

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: $

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: $$

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: $$

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: $

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: $$$

Council & Emergency Services

Shire of Campaspe
Emergency Services

Data last updated: 21 June 2026

Explore Silverleaves Risk Reports

Frequently Asked Questions

Is Silverleaves at risk of flooding?

Based on available data, Silverleaves 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 Silverleaves?

Insurance costs for flood cover in Silverleaves 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 Silverleaves?

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

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

ClimateNest's hazard overlay maps 13.2% of Silverleaves in high-risk zones for bushfire, with a further 60.3% 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 Silverleaves Safe from Climate Risk?

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