Climate Risk Profile: Yarrawonga, VIC

Yarrawonga, Victoria
Medium Risk
Updated Apr 2026

Yarrawonga faces moderate climate risks, primarily related to flooding and heatwaves. The risk of these events is projected to increase in the future due to climate change. Residents should take steps to prepare for these hazards.

Overall Risk Score

52/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
6.0
Bushfire
3.0
Heat
7.0
Coastal
1.0

Climate Hazard Breakdown for Yarrawonga

increasing

Flood

60/100

Yarrawonga faces a moderate risk of flooding due to its proximity to the Murray River and other waterways. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Key drivers:

  • ·Increased rainfall intensity
  • ·Riverine flooding
increasing

Bushfire

30/100

The bushfire risk in Yarrawonga is relatively low compared to other regions in Victoria. However, dry conditions and increasing temperatures can elevate the risk during peak fire seasons.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures
increasing

Heat

70/100

Yarrawonga experiences high temperatures during summer, and heatwaves are becoming more frequent and intense due to climate change. This poses a significant risk to vulnerable populations.

Key drivers:

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves
stable

Coastal

10/100

Yarrawonga is located inland and does not face any direct coastal risks such as sea-level rise or coastal erosion.

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 Yarrawonga

Detailed Hazard Analysis

heat Risk

70/100

Yarrawonga experiences high temperatures during summer, and heatwaves are becoming more frequent and intense due to climate change. This poses a significant risk to vulnerable populations.

Primary Drivers

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves
  • ·Urban heat island effect

Projections (RCP8.5)

2030

7.5

2050

8.0

Data source

flood Risk

60/100

Yarrawonga faces a moderate risk of flooding due to its proximity to the Murray River and other waterways. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Riverine flooding
  • ·Urban development

Projections (RCP8.5)

2030

6.5

2050

7.0

Data source

coastal Risk

10/100

Yarrawonga is located inland and does not face any direct coastal risks such as sea-level rise or coastal erosion.

Projections (RCP8.5)

2030

1.0

2050

1.0

Data source

bushfire Risk

30/100

The bushfire risk in Yarrawonga is relatively low compared to other regions in Victoria. However, dry conditions and increasing temperatures can elevate the risk during peak fire seasons.

Primary Drivers

  • ·Dry vegetation
  • ·High temperatures
  • ·Strong winds

Projections (RCP8.5)

2030

3.5

2050

4.0

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to the rising risk of flooding and heatwaves.

Price Impact

Properties in flood-prone areas may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and historical flood data.
  • 2.Assess the property's vulnerability to heatwaves.
  • 3.Ensure adequate insurance coverage.
  • 4.Consider the long-term climate risks when making a purchase decision.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Murray River
Elevation Range
124m
Flood Zone
Areas adjacent to the Murray River are prone to flooding.

Historical flood data indicates that Yarrawonga has experienced several significant flood events in the past, impacting residential and commercial areas.

View council flood map

Bushfire Evidence

Distance to Bushland
Within 5km of significant bushland areas.
Planning Overlay
No specific bushfire overlay applies to the entire town, but some areas are designated as bushfire prone.
Bushfire Prone Area
Yes

Residents should maintain their properties to reduce fuel loads and be aware of fire danger ratings during summer.

Heat Evidence

Avg January Max Temp
32.5°C
Heat Stress Days/Year
5 days

The number of days exceeding 35°C is projected to increase in the coming decades, exacerbating heat stress risks.

Coastal Evidence

Distance to Coast
400 km
Sea Level Rise Exposure
Not applicable.
Erosion Risk
Not applicable.

Historical Climate Events

2010
floodMajor

Major flooding along the Murray River impacted Yarrawonga, causing widespread damage to properties and infrastructure.

Source
2011
floodModerate

Flooding along the Murray River resulted in the closure of roads and inundation of low-lying areas.

Source
2013
heatwaveModerate

A prolonged heatwave in January resulted in increased hospital admissions and strain on local resources.

Source
2017
floodMinor

Minor flooding along the Murray River affected some properties near the riverbank.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP8.5

HazardToday20302050
flood606.5(+0.5)7.0(+1.0)
bushfire303.2(+0.2)3.5(+0.5)
heat707.8(+0.8)8.5(+1.5)
coastal101.01.0

By 2030, Yarrawonga is projected to experience more frequent and intense heatwaves, as well as an increased risk of flooding. Bushfire risk will also slightly increase. Coastal risks remain negligible.

CSIRO Climate Projections

Adaptation Recommendations

Improve Flood Defenses

Near-term

Invest in infrastructure to protect against flooding, such as levees and improved drainage systems.

Est. cost: High

Learn more

Develop a Heat Action Plan

Immediate

Implement a heat action plan to protect vulnerable populations during heatwaves, including cooling centers and community outreach programs.

Est. cost: Medium

Learn more

Enhance Bushfire Preparedness

Near-term

Implement community education programs and support residents in preparing their properties for bushfires.

Est. cost: Low

Learn more

Upgrade Water Infrastructure

Long-term

Invest in upgrading water infrastructure to ensure a reliable water supply during periods of drought and heatwaves.

Est. cost: High

Learn more

About Yarrawonga's Climate Risk Profile

Yarrawonga, located in northern Victoria, is particularly vulnerable to the impacts of climate change due to its geographical location and existing infrastructure. The primary risks include increased flooding from the Murray River and more frequent and intense heatwaves during the summer months.

The risk of flooding is expected to increase as climate change leads to more intense rainfall events. This can overwhelm existing drainage systems and cause significant damage to property and infrastructure. The Murray River, being a major waterway, poses a continuous threat during periods of heavy rainfall.

Heatwaves are also a significant concern, with rising average temperatures and more frequent extreme heat events. This can lead to heat stress and other health problems, particularly for vulnerable populations such as the elderly and those with pre-existing medical conditions.

While bushfire risk is relatively lower compared to other parts of Victoria, it is still a factor to consider, especially during dry periods. Proper management of vegetation and adherence to fire safety guidelines are essential.

Adapting to these changes will require a combination of infrastructure improvements, community awareness programs, and individual preparedness measures. By taking proactive steps, Yarrawonga can mitigate the worst impacts of climate change and build a more resilient community.

Data sources: BOM · CSIRO · EMV

Local Government Resources

Frequently Asked Questions

What are the main climate change risks for Yarrawonga?

The main climate change risks for Yarrawonga are increased flooding from the Murray River and more frequent and intense heatwaves.

How will climate change affect property values in Yarrawonga?

Properties in flood-prone areas may experience a decrease in value due to the increased risk of flooding.

What is the council doing to address climate change in Yarrawonga?

The Moira Shire Council is developing and implementing strategies to mitigate and adapt to the impacts of climate change, including infrastructure improvements and community education programs.

How can I prepare my home for a heatwave in Yarrawonga?

You can prepare your home for a heatwave by ensuring you have adequate insulation, air conditioning or fans, and a supply of water. It's also important to stay informed about heatwave warnings and take steps to protect yourself and your family.

Where can I find information about flood risks in Yarrawonga?

You can find information about flood risks in Yarrawonga on the Moira Shire Council website and the Bureau of Meteorology website.

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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