๐Ÿ“ฎ Upper Gundowring postcode: 3701

Flood Risk in Upper Gundowring, VIC: 2026 Assessment

Upper Gundowring, Victoriaยท Towong Shireยท 3701
Upper Gundowring faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.Updated 31 May 2026

Flood Risk Score

6.5/10

Upper Gundowring faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Key Facts

Flood Risk
Upper Gundowring faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.
Trend
increasing
Suburb
Upper Gundowring, VIC
Overall Risk
Medium
Postcode
3691
Highest high-risk exposure
21.6% of land (bushfire)

Flood Risk Analysis

Upper Gundowring, 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.

Local council provides flood maps and information on flood preparedness.

Upper Gundowring faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

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.

Upper Gundowring sits within ClimateNest's suburb-level hazard model for flood risk. 5.2% of the suburb's land area is mapped in high-risk flood zones and 65% 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 Upper Gundowring.

Upper Gundowring (postcode 3691) 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 (21.6% of land in high-risk zones), surface flood (14.5% of land in high-risk zones), extreme wind (6.1% of land in high-risk zones). Exposure is not uniform across Upper Gundowring 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 WaterwayMitta Mitta River
Elevation Range250-350m
Flood Zone ClassificationAreas near the Mitta Mitta River are prone to flooding.

Historical Events

2023
Moderate

Heavy rainfall caused minor flooding in low-lying areas of Upper Gundowring.

2012
Moderate

Significant flooding along the Mitta Mitta River affected properties in Upper Gundowring.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in infrastructure to mitigate flood risk, such as levees and improved drainage systems.

Est. cost: High

Bushfire Preparedness Programs

Immediate

Implement community education programs on bushfire preparedness and evacuation plans.

Est. cost: Medium

Heatwave Action Plan

Near-term

Develop a heatwave action plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Sustainable Land Management

Long-term

Promote sustainable land management practices to reduce erosion and improve water quality.

Est. cost: Medium

Council & Emergency Services

Towong Shire Council
Emergency Services

Data last updated: 31 May 2026

Explore Upper Gundowring Risk Reports

Frequently Asked Questions

Is Upper Gundowring at risk of flooding?

Based on available data, Upper Gundowring 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 Upper Gundowring?

Insurance costs for flood cover in Upper Gundowring 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 Upper Gundowring?

Yes, flood risk can affect property values in Upper Gundowring. 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 Upper Gundowring?

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

ClimateNest's hazard overlay maps 21.6% of Upper Gundowring in high-risk zones for bushfire, with a further 67.1% 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 Upper Gundowring Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Upper Gundowring, 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