Woolamai Climate Risk Profile

Woolamai, Victoria· Bass Coast Shire Council· 3925
Medium Risk
Updated June 2026

Woolamai, Victoria, faces a medium overall climate risk, with significant threats from increasing heatwaves and bushfire potential. While flood and coastal risks are currently moderate, they are projected to increase due to climate change impacts like sea level rise and more intense weather events.

Overall Risk Score

55/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
4.0
Bushfire
6.0
Heat
7.0
Coastal
5.0

Climate Hazard Breakdown for Woolamai

increasing

Flood

40/100

Low to moderate flood risk, primarily from minor creek flooding and storm surge during extreme weather events.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise impacting drainage
increasing

Bushfire

60/100

Moderate bushfire risk due to proximity to coastal heath and grasslands, with potential for ember attack.

Key drivers:

  • ·Increased frequency of hot days
  • ·Drier vegetation
increasing

Heat

70/100

High heat risk, with significant increases in the number and intensity of heatwaves projected.

Key drivers:

  • ·Rising average temperatures
  • ·More frequent extreme heat days
increasing

Coastal

50/100

Moderate coastal erosion and inundation risk, particularly during storm events, exacerbated by sea level rise.

Key drivers:

  • ·Sea level rise
  • ·Increased storm intensity
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 Woolamai

Detailed Hazard Analysis

heat Risk

70/100

High heat risk, with significant increases in the number and intensity of heatwaves projected.

Primary Drivers

  • ·Rising average temperatures
  • ·More frequent extreme heat days
  • ·Urban heat island effect (minimal in Woolamai)

Projections (RCP 8.5)

2030

7.5

2050

8.5

Data source

flood Risk

40/100

Low to moderate flood risk, primarily from minor creek flooding and storm surge during extreme weather events.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Sea level rise impacting drainage
  • ·Storm surge

Projections (RCP 4.5)

2030

4.5

2050

5.5

Data source

coastal Risk

50/100

Moderate coastal erosion and inundation risk, particularly during storm events, exacerbated by sea level rise.

Primary Drivers

  • ·Sea level rise
  • ·Increased storm intensity
  • ·Coastal erosion

Projections (RCP 4.5)

2030

5.5

2050

7.0

Data source

bushfire Risk

60/100

Moderate bushfire risk due to proximity to coastal heath and grasslands, with potential for ember attack.

Primary Drivers

  • ·Increased frequency of hot days
  • ·Drier vegetation
  • ·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 potential for reduced cover in high-risk areas.

Price Impact

Potential for negative impact on property values in areas with high or increasing climate risk.

Buyer Checklist

  • 1.Check current and future flood risk maps.
  • 2.Assess bushfire attack level (BAL) rating.
  • 3.Review local council's climate adaptation plans.
  • 4.Investigate insurance availability and cost.
  • 5.Understand proximity to coastal erosion zones.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Various small creeks and coastal foreshore
Elevation Range
0-20m above sea level
Flood Zone
Low-lying coastal areas and near small creeks

Flood risk is primarily associated with storm surge and intense rainfall events overwhelming local drainage.

View council flood map

Bushfire Evidence

Distance to Bushland
Adjacent to coastal heath and grassland reserves
Planning Overlay
Bushfire Prone Area Overlay
Bushfire Prone Area
Yes

The vegetation types surrounding Woolamai are susceptible to fire, and ember attack is a significant risk.

Heat Evidence

Avg January Max Temp
24.5°C
Heat Stress Days/Year
3.5 days

Average temperatures are rising, and the number of days exceeding 35°C is projected to increase significantly.

Coastal Evidence

Distance to Coast
0.5 km
Sea Level Rise Exposure
Moderate
Erosion Risk
Moderate

Historical Climate Events

2009
bushfireModerate

Black Saturday bushfires impacted surrounding areas of Victoria, including parts of the Bass Coast region, leading to increased awareness of fire risk.

Source
2011
coastalModerate

Significant storm surge and coastal erosion event along the Victorian coast, including Phillip Island, causing damage to foreshore infrastructure.

Source
2016
heatwaveMajor

A prolonged and intense heatwave affected Victoria, with temperatures exceeding 40°C for several consecutive days, straining power grids and impacting public health.

Source
2021
floodMinor

Heavy rainfall led to localized flooding in low-lying areas of Phillip Island, impacting some roads and properties.

Source

Climate Outlook to 2050

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

HazardToday20302050
flood404.3(+0.3)5.0(+1.0)
bushfire606.5(+0.5)7.5(+1.5)
heat707.7(+0.7)9.0(+2.0)
coastal505.4(+0.4)6.8(+1.8)

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

CSIRO Climate Projections

Adaptation Recommendations

Community Bushfire Preparedness Plan

Near-term

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

Est. cost: $

Learn more

Urban Greening and Water Sensitive Design

Long-term

Increase tree canopy cover in public spaces and implement water-sensitive urban design principles to mitigate heat island effects and manage stormwater runoff.

Est. cost: $$

Learn more

Coastal Adaptation Strategy

Long-term

Develop a long-term coastal adaptation strategy that considers managed retreat, nature-based solutions, and infrastructure upgrades to address sea level rise and erosion.

Est. cost: $$$

Learn more

Homeowner Bushfire Resilience

Immediate

Encourage and support homeowners to implement bushfire-resilient building practices and landscaping (e.g., defendable space).

Est. cost: $$

Learn more

Heatwave Action Plan

Near-term

Establish a local heatwave action plan to support vulnerable residents during extreme heat events, including cooling centres and outreach programs.

Est. cost: $

Learn more

About Woolamai's Climate Risk Profile

Woolamai, situated on Phillip Island in Victoria, is a coastal community with a growing population and a strong connection to its natural environment. While offering a desirable lifestyle, its location exposes it to a range of climate-related risks that are projected to intensify in the coming decades.

The primary concern for Woolamai is the escalating risk of extreme heat. Projections indicate a substantial increase in the frequency and severity of heatwaves, posing significant health risks to residents, particularly the elderly and vulnerable. This is compounded by the potential for increased bushfire activity, driven by hotter and drier conditions, with grasslands and coastal heathland surrounding the area posing a fuel source.

Flood risk in Woolamai is currently considered low to moderate. However, climate change is expected to exacerbate this through more intense rainfall events and rising sea levels. Storm surges during extreme weather, combined with potential impacts on drainage systems, could lead to localized flooding, particularly in low-lying areas near the coast.

Coastal processes present another layer of risk. Woolamai is exposed to potential coastal erosion and inundation, especially during storm events. Sea level rise will amplify these risks, potentially impacting coastal infrastructure and properties over time. While not as immediate a threat as heat or bushfire, these coastal impacts require long-term planning and adaptation.

Understanding and preparing for these evolving climate risks is crucial for the resilience of Woolamai. This includes individual property preparedness, community-level adaptation strategies, and robust local government planning to mitigate the impacts of a changing climate.

Data sources: Bureau of Meteorology (BOM) · CSIRO · Country Fire Authority (CFA) · Victorian State Government · Bass Coast Shire Council · ClimateNest Analysis

Local Government Resources

Frequently Asked Questions

What is the biggest climate risk for Woolamai?

The biggest climate risk for Woolamai is increasing extreme heat, followed closely by bushfire risk due to surrounding vegetation.

How will sea level rise affect Woolamai?

Sea level rise will increase the risk of coastal inundation and erosion, particularly during storm events, impacting low-lying coastal areas.

Is Woolamai prone to flooding?

Woolamai has a low to moderate flood risk, primarily from localized storm events and potential coastal surge. This risk is projected to increase.

What can I do to prepare my property in Woolamai for climate risks?

Prepare by understanding your property's bushfire risk (BAL rating), improving home resilience, planning for heatwaves, and staying informed about flood and coastal risks.

Where can I find official flood maps for Woolamai?

Official flood information and maps for Woolamai can typically be found on the Bass Coast Shire Council's website under planning and emergency management sections.

How often are climate projections updated for Woolamai?

Climate projections are typically updated by research institutions like CSIRO every few years, with significant reviews occurring periodically.

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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