๐Ÿ“ฎ Tenby Point postcode: 3984

Flood Risk in Tenby Point, VIC: 2026 Assessment

Tenby Point, Victoriaยท Bass Coast Shire Councilยท 3984
Moderate flood risk due to proximity to coastal waters and potential for storm surge.Updated 28 June 2026

Flood Risk Score

6.0/10

Moderate flood risk due to proximity to coastal waters and potential for storm surge.

Key Facts

Flood Risk
Moderate flood risk due to proximity to coastal waters and potential for storm surge.
Trend
increasing
Suburb
Tenby Point, VIC
Overall Risk
Medium
Postcode
3984
Highest high-risk exposure
7.4% of land (bushfire)

Flood Risk Analysis

Tenby Point, 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.

Low-lying areas near the coast are most vulnerable to tidal influences and storm surges.

Moderate flood risk due to proximity to coastal waters and potential for storm surge.

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.

Tenby Point sits within ClimateNest's suburb-level hazard model for flood risk. 4.1% of the suburb's land area is mapped in high-risk flood zones and 67.2% 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 Tenby Point.

Tenby Point (postcode 3984) 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 (7.4% of land in high-risk zones), surface flood (5.7% of land in high-risk zones), riverine flood (4.1% of land in high-risk zones). Exposure is not uniform across Tenby Point 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 AHD
Flood Zone ClassificationCoastal inundation and storm surge prone

Adaptation & Mitigation Actions

Coastal Dune Restoration and Protection

Near-term

Implement programs to restore and enhance coastal dunes with native vegetation to act as natural buffers against storm surges and erosion.

Est. cost: $50,000 - $150,000

Upgrade Stormwater Drainage Systems

Near-term

Invest in upgrading and maintaining local stormwater infrastructure to better manage increased rainfall intensity and reduce localized flooding.

Est. cost: $100,000 - $300,000

Promote Water-Wise Landscaping and Green Infrastructure

Immediate

Encourage residents and developers to adopt water-wise landscaping practices and incorporate green infrastructure (e.g., rain gardens) to mitigate heat and manage stormwater.

Est. cost: $10,000 - $50,000 (for council initiatives)

Develop Community Heatwave Response Plan

Immediate

Establish a community-based plan to support vulnerable residents during heatwaves, including identifying cooling centers and communication strategies.

Est. cost: $5,000 - $20,000

Review and Update Building Regulations for Coastal Areas

Long-term

Work with state authorities to review and potentially update building regulations to account for increased flood and erosion risks in coastal developments.

Est. cost: Variable (policy development)

Council & Emergency Services

Bass Coast Shire Council
Emergency Services

Data last updated: 28 June 2026

Explore Tenby Point Risk Reports

Frequently Asked Questions

Is Tenby Point at risk of flooding?

Based on available data, Tenby Point 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 Tenby Point?

Insurance costs for flood cover in Tenby Point 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 Tenby Point?

Yes, flood risk can affect property values in Tenby Point. 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 Tenby Point?

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

ClimateNest's hazard overlay maps 7.4% of Tenby Point in high-risk zones for bushfire, with a further 79.7% 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 Tenby Point Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Tenby Point, 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