Flood Risk in Yarrawonga, VIC: 2026 Assessment

Yarrawonga, Victoria· UNKNOWN
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.Updated 2 Apr 2026

Flood Risk Score

6.0/10

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 Facts

Flood Risk
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.
Trend
increasing
Suburb
Yarrawonga, VIC
Overall Risk
Medium
Postcode
3730
Highest high-risk exposure
16.6% of land (bushfire)

Flood Risk Analysis

Yarrawonga, 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.

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

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.

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.

Yarrawonga sits within ClimateNest's suburb-level hazard model for flood risk. 4.7% of the suburb's land area is mapped in high-risk flood zones and 79.3% 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 Yarrawonga.

Yarrawonga (postcode 3730) 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 (16.6% of land in high-risk zones), surface flood (6.2% of land in high-risk zones), extreme wind (5% of land in high-risk zones). Exposure is not uniform across Yarrawonga — 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 WaterwayMurray River
Elevation Range124m
Flood Zone ClassificationAreas adjacent to the Murray River are prone to flooding.

Historical Events

2017
Minor

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

2011
Moderate

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

2010
Major

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

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

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

Est. cost: High

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

Enhance Bushfire Preparedness

Near-term

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

Est. cost: Low

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

Council & Emergency Services

Moira Shire Council
Emergency Services

Data last updated: 2 April 2026

Explore Yarrawonga Risk Reports

Frequently Asked Questions

Is Yarrawonga at risk of flooding?

Based on available data, Yarrawonga has a notable flood risk profile. Flood risk varies by address — check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Yarrawonga?

Insurance costs for flood cover in Yarrawonga 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 Yarrawonga?

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

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

ClimateNest's hazard overlay maps 16.6% of Yarrawonga in high-risk zones for bushfire, with a further 71% in moderate-risk zones. Suburb-level exposure is not uniform — individual properties can differ from these averages, so an address-level check is recommended.

Is Yarrawonga Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Yarrawonga, 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 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections