๐Ÿ“ฎ Yarragon postcode: 3820

Flood Risk in Yarragon, VIC: 2026 Assessment

Yarragon, Victoriaยท Baw Baw Shire Councilยท 3820
Yarragon faces a moderate to high risk of flooding, primarily due to its proximity to waterways and low-lying areas. Heavy rainfall events can overwhelm local drainage systems and lead to inundation.Updated 28 June 2026

Flood Risk Score

6.0/10

Yarragon faces a moderate to high risk of flooding, primarily due to its proximity to waterways and low-lying areas. Heavy rainfall events can overwhelm local drainage systems and lead to inundation.

Key Facts

Flood Risk
Yarragon faces a moderate to high risk of flooding, primarily due to its proximity to waterways and low-lying areas. Heavy rainfall events can overwhelm local drainage systems and lead to inundation.
Trend
increasing
Suburb
Yarragon, VIC
Overall Risk
Medium
Postcode
3823
Highest high-risk exposure
12.6% of land (bushfire)

Flood Risk Analysis

Yarragon, 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 no major historical flood events are widely documented for Yarragon itself, the general susceptibility of the region to heavy rainfall means localised flooding is a possibility.

Yarragon faces a moderate to high risk of flooding, primarily due to its proximity to waterways and low-lying areas. Heavy rainfall events can overwhelm local drainage systems and lead to inundation.

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.

Yarragon sits within ClimateNest's suburb-level hazard model for flood risk. 3.6% of the suburb's land area is mapped in high-risk flood zones and 83.6% 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 Yarragon.

Yarragon (postcode 3823) 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 (12.6% of land in high-risk zones), surface flood (4.9% of land in high-risk zones), riverine flood (3.6% of land in high-risk zones). Exposure is not uniform across Yarragon 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 WaterwayYarragon Creek
Elevation RangeApproximately 50-100 meters above sea level
Flood Zone ClassificationAreas adjacent to Yarragon Creek and low-lying depressions may be susceptible to flooding.

Historical Events

2011
Moderate

Significant rainfall across Gippsland led to localised flooding, impacting several towns including those in the Baw Baw Shire. While specific details for Yarragon are scarce, nearby areas experienced disruptions.

Adaptation & Mitigation Actions

Enhance Urban Greening and Tree Canopy

Near-term

Increase tree planting in public spaces, streets, and encourage private property owners to plant trees to mitigate the urban heat island effect and provide shade.

Est. cost: $$

Improve Stormwater Management Systems

Near-term

Upgrade existing drainage infrastructure and implement nature-based solutions like rain gardens and permeable pavements to better manage heavy rainfall and reduce localised flooding.

Est. cost: $$$

Develop Community Bushfire Preparedness Plans

Immediate

Conduct community workshops on bushfire preparedness, including creating household fire plans, understanding Fire Danger Ratings, and evacuation strategies.

Est. cost: $

Promote Water-Sensitive Urban Design (WSUD)

Long-term

Integrate WSUD principles into new developments and retrofits to manage stormwater runoff, reduce flood risk, and improve water quality.

Est. cost: $$$

Establish Cooling Centres and Heatwave Action Plans

Immediate

Identify and equip public spaces as cooling centres during extreme heat events and develop clear action plans for vulnerable residents.

Est. cost: $$

Council & Emergency Services

Baw Baw Shire Council
Emergency Services

Data last updated: 28 June 2026

Explore Yarragon Risk Reports

Frequently Asked Questions

Is Yarragon at risk of flooding?

Based on available data, Yarragon 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 Yarragon?

Insurance costs for flood cover in Yarragon 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 Yarragon?

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

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

ClimateNest's hazard overlay maps 12.6% of Yarragon in high-risk zones for bushfire, with a further 81.3% 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 Yarragon Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Yarragon, 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