VIC478 suburbs assessed

Climate Risk in Victoria Suburbs

Victorian suburbs face significant bushfire risk in outer-metro and Dandenong Ranges communities, with flood risk concentrated in low-lying Melbourne suburbs along the Yarra, Maribyrnong, and Werribee catchments. Extreme heat events are increasing in frequency across the state.

BushfireFloodExtreme HeatStorm

Cape Woolamai

Bass Coast Shire Council

High
78/100 risk score

Cape Woolamai, Victoria, faces significant climate risks, particularly from coastal inundation, erosion, and bushfires due to its location and surrounding vegetation.

Cobungra

Alpine

High
72/100 risk score

Cobungra faces significant climate risks, particularly from bushfires and flooding.

Corryong

UNKNOWN

High
72/100 risk score

Corryong faces significant risks from bushfires, floods, and heatwaves, which are projected to increase in severity due to climate change.

Dinner Plain

Alpine

High
72/100 risk score

Dinner Plain is an alpine village in Victoria that faces significant risks from bushfires and increasing heatwaves.

Buninyong

City of Ballarat

Medium
58/100 risk score

Buninyong, located near Ballarat, faces a significant bushfire risk due to its proximity to natural vegetation and a medium to high heat risk exacerbated by climate change.

Chelsea

City of Kingston

Medium
58/100 risk score

Chelsea, VIC, faces moderate climate risks, primarily from flooding, heatwaves, and coastal hazards.

Creswick

Hepburn Shire Council

Medium
58/100 risk score

Creswick faces a medium overall climate risk, primarily driven by significant bushfire threats and increasing heatwave intensity.

Dromana

UNKNOWN

Medium
58/100 risk score

Dromana faces moderate climate risks, particularly from heatwaves, flooding, and coastal hazards.

Buln Buln East

Baw Baw Shire Council

Medium
55/100 risk score

Buln Buln East in Victoria faces a moderate overall climate risk, primarily driven by a significant bushfire threat and increasing heatwave intensity.

Buln Buln

Shire of Baw Baw

Medium
55/100 risk score

Buln Buln, Victoria, faces a moderate overall climate risk, with bushfire posing the most significant threat due to its location near bushland interfaces.

Castlemaine

Mount Alexander Shire

Medium
55/100 risk score

Castlemaine faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase with climate change.

Churchill Island

Bass Coast Shire Council

Medium
55/100 risk score

Churchill Island faces a growing risk from coastal hazards like erosion and inundation, alongside increasing heatwave intensity.

Coalville

Gippsland

Medium
55/100 risk score

Coalville, Victoria, faces a medium overall climate risk, with significant bushfire and moderate flood and heat risks.

Coghills Creek

Pyrenees Shire Council

Medium
55/100 risk score

Coghills Creek faces a moderate overall climate risk, primarily driven by bushfire threats and a growing concern for heatwaves.

Corinella

Bass Coast Shire Council

Medium
55/100 risk score

Corinella, Victoria, faces a medium overall climate risk, with significant threats from coastal erosion and inundation due to its low-lying position on Western Port Bay.

Coronet Bay

Bass Coast Shire Council

Medium
55/100 risk score

Coronet Bay, VIC, faces a medium overall climate risk, primarily driven by a moderate to high bushfire risk due to its proximity to bushland.

Croydon

Maroondah

Medium
55/100 risk score

Croydon faces moderate risks from flooding and heatwaves, with increasing trends due to climate change.

Dalyston

Bass Coast Shire Council

Medium
55/100 risk score

Dalyston, Victoria, faces a medium overall climate risk, with bushfire posing the most significant threat due to its location in a prone area.

Darnum

Gippsland Shire Council

Medium
55/100 risk score

Darnum, Victoria, faces a medium overall climate risk, with significant concerns around heatwaves and moderate risks from flooding.

Drouin East

Baw Baw Shire Council

Medium
55/100 risk score

Drouin East in Victoria faces a medium overall climate risk, primarily driven by moderate flood and bushfire threats.

Buckland

Alpine

Medium
52/100 risk score

Buckland faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Buffalo River

Alpine

Medium
52/100 risk score

Buffalo River faces moderate climate risks, primarily from flooding and heatwaves.

Bundoora

City of Banyule

Medium
52/100 risk score

Bundoora faces moderate climate risks, primarily related to flooding and heatwaves.

Bunkers Hill

City of Ballarat

Medium
52/100 risk score

Bunkers Hill faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase with climate change.

Burrumbeet

City of Ballarat

Medium
52/100 risk score

Burrumbeet is a suburb in Victoria with a medium overall climate risk.

Canadian

City of Ballarat

Medium
52/100 risk score

Canadian, Victoria, faces moderate climate risks, primarily from bushfires, flooding, and heatwaves.

Cann River

UNKNOWN

Medium
52/100 risk score

Cann River faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase in the future.

Cape Paterson

UNKNOWN

Medium
52/100 risk score

Cape Paterson is a coastal town in Victoria facing increasing climate risks, particularly from coastal hazards and heatwaves.

Cardigan

City of Ballarat

Medium
52/100 risk score

Cardigan faces moderate risks from flooding and heatwaves, with a lower risk from bushfires.

Cardigan Village

City of Ballarat

Medium
52/100 risk score

Cardigan Village faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Carrum Downs

Frankston

Medium
52/100 risk score

Carrum Downs faces moderate climate risks, primarily from flooding, heatwaves, and coastal hazards.

Carrum

Kingston

Medium
52/100 risk score

Carrum faces moderate climate risks, primarily from flooding and coastal hazards.

Cathcart

Ararat Rural City

Medium
52/100 risk score

Cathcart, VIC, faces increasing risks from bushfires, floods, and heatwaves due to climate change.

Chatsworth

Northern Grampians Shire

Medium
52/100 risk score

Chatsworth faces moderate risks from flooding and heatwaves, with a significant bushfire risk due to its location.

Churchill

Latrobe

Medium
52/100 risk score

Churchill faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase in severity.

Clifton Springs

City of Greater Geelong

Medium
52/100 risk score

Clifton Springs faces increasing risks from climate change, particularly related to heatwaves and coastal hazards.

Cobblebank

Melton

Medium
52/100 risk score

Cobblebank faces moderate climate risks, primarily related to heatwaves and flooding.

Cobram

Moira

Medium
52/100 risk score

Cobram is a town in northern Victoria that faces moderate climate risks, primarily from flooding and heatwaves.

Coburg

Moreland

Medium
52/100 risk score

Coburg faces moderate climate risks, primarily from flooding and heatwaves.

Coral Bank

East Gippsland Shire

Medium
52/100 risk score

Coral Bank, VIC, faces a medium overall climate risk.

Corio

City of Greater Geelong

Medium
52/100 risk score

Corio faces a medium level of climate risk, primarily driven by increasing flood and heat risks.

Cowes

Bass Coast

Medium
52/100 risk score

Cowes faces moderate risks from flooding, bushfires, heatwaves, and coastal hazards.

Crowlands

Pyrenees

Medium
52/100 risk score

Crowlands faces moderate risks from flooding, bushfires, and heatwaves.

Dadswells Bridge

UNKNOWN

Medium
52/100 risk score

Dadswells Bridge faces increasing risks from bushfires, floods, and heatwaves due to climate change.

Dandongadale

Rural City of Benalla

Medium
52/100 risk score

Dandongadale faces increasing risks from flooding and heatwaves due to climate change.

Dargo

East Gippsland Shire

Medium
52/100 risk score

Dargo faces moderate risks from flooding and bushfires, which are expected to increase with climate change.

Daylesford

Hepburn

Medium
52/100 risk score

Daylesford faces moderate risks from flooding, bushfires, and heatwaves, which are expected to increase with climate change.

Dederang

Alpine

Medium
52/100 risk score

Dederang faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Delacombe

Ballarat

Medium
52/100 risk score

Delacombe faces moderate risks from flooding, bushfires, and heatwaves.

Denicull Creek

Loddon Shire

Medium
52/100 risk score

Denicull Creek faces increasing risks from flooding and heatwaves due to climate change.

Diamond Creek

Nillumbik

Medium
52/100 risk score

Diamond Creek faces increasing risks from flooding, bushfires, and heatwaves due to climate change.

Dobie

Medium
52/100 risk score

Dobie faces moderate risks from bushfires and heatwaves, with increasing flood risk due to climate change.

Drouin

Baw Baw

Medium
52/100 risk score

Drouin faces increasing risks from flooding and heatwaves due to climate change.

Camberwell

Unknown

Assessment in progress

Chadstone

Unknown

Assessment in progress

Cheltenham

Unknown

Assessment in progress

Collingwood

Unknown

Assessment in progress

Craigieburn

Unknown

Assessment in progress

Dandenong

Unknown

Assessment in progress

Doncaster

Unknown

Assessment in progress

About Climate Risk in Victoria

Victorian suburbs face significant bushfire risk in outer-metro and Dandenong Ranges communities, with flood risk concentrated in low-lying Melbourne suburbs along the Yarra, Maribyrnong, and Werribee catchments. Extreme heat events are increasing in frequency across the state.

ClimateNest suburb assessments are built using Bureau of Meteorology (BOM) historical hazard data, CSIRO future climate projections under SSP2-4.5 and RCP8.5 scenarios, state-specific hazard overlays from emergency services and planning authorities, and actuarial data. Every assessment includes current hazard scores (0–100), projected scores for 2030 and 2050, local geographic evidence, insurance outlook, and property owner recommendations.

All Victoria Suburbs (478)
Abbeyard VICAdams Estate VICAddington VICAireys Inlet VICAlexandra VICAlfredton VICAllambee Reserve VICAllambee VICAlmurta VICAltona VICAnderson VICAnglesea VICApollo Bay VICArarat VICArchies Creek VICArmstrong VICAscot VICAspendale VICBacchus Marsh VICBairnsdale VICBakery Hill VICBald Hills VICBallan VICBallaratBallarat Central VICBallarat East VICBallarat North VICBallarat VICBallyrogan VICBannockburn VICBarwidgee VICBarwon Heads VICBass VICBaw Baw VICBayindeen VICBeaumaris VICBelgrave South VICBelgrave VICBellfield VICBemm River VICBenalla VICBendigoBendigo VICBlack Hill VICBlack Range VICBlack Rock VICBlowhard VICBo Peep VICBonshaw VICBornes Hill VICBox Hill VICBriar Hill VICBright VICBrighton VICBroadmeadows VICBrown Hill VICBrunswick VICBruthen VICBuangor VICBuchan VICBuckland VICBuffalo River VICBuln Buln East VICBuln Buln VICBundoora VICBuninyong VICBunkers Hill VICBurrumbeet VICCamberwell VICCanadian VICCann River VICCape Paterson VICCape Woolamai VICCardigan VICCardigan Village VICCarrum Downs VICCarrum VICCastlemaine VICCathcart VICChadstone VICChatsworth VICChelsea VICCheltenham VICChurchill Island VICChurchill VICClifton Springs VICCoalville VICCobblebank VICCobram VICCobungra VICCoburg VICCoghills Creek VICCollingwood VICCoral Bank VICCorinella VICCorio VICCoronet Bay VICCorryong VICCowes VICCraigieburn VICCreswick VICCrowlands VICCroydon VICDadswells Bridge VICDalyston VICDandenong VICDandongadale VICDargo VICDarnum VICDaylesford VICDederang VICDelacombe VICDenicull Creek VICDiamond Creek VICDinner Plain VICDobie VICDoncaster VICDromana VICDrouin East VICDrouin VICDrouin West VICDunkeld VICDunneworthy VICDurham Lead VICEaglehawk VICEaglemont VICEchuca VICEchuca Village VICEdi Upper VICEdithvale VICEildon VICElmhurst VICEltham North VICEltham VICEmerald VICEpping VICErcildoune VICErica VICEureka VICEurobin VICEversley VICFalls Creek VICFerntree Gully VICFitzroy VICFrankston VICFreeburgh VICFremantle VICFumina South VICFumina VICGapsted VICGeelongGeelong VICGembrook VICGermantown VICGisborne VICGlen Creek VICGlen Forbes VICGlen Park VICGlen Waverley VICGlendaruel VICGlendonald VICGlenlogie VICGlenthompson VICGolden Point VICGong Gong VICGrantville VICGreat Western VICGreensborough VICGundowring VICHalls Gap VICHamilton VICHampton VICHarmers Haven VICHarrietville VICHastings VICHavilah VICHawthorn VICHealesville VICHeidelberg Heights VICHeidelberg VICHeidelberg West VICHeyfield VICHighett VICHoppers Crossing VICHorsham VICHotham Heights VICIcy Creek VICInverloch VICInvermay Park VICInvermay VICIvanhoe East VICIvanhoe VICJacob Creek VICJam Jerrup VICJindivick VICKancoona VICKangaroo Flat VICKerang VICKergunyah South VICKernot VICKialla West VICKilcunda VICKilmore VICKinglake VICKinglake West VICKongwak VICKorumburra VICKyabram VICKyneton VICLabertouche VICLake Bolac VICLake Gardens VICLake Wendouree VICLakes Entrance VICLakeside VICLance Creek VICLang Lang VICLangi Logan VICLara VICLaunching Place VICLaverton VICLearmonth VICLilydale VICLismore VICLoch Sport VICLoch VICLong Gully VICLongwarry VICLorne VICLower Plenty VICLucas VICMacedon VICMacleod VICMafeking VICMaffra VICMagpie VICMallacoota VICManly VICManningham VICMaribyrnong VICMarlo VICMaroona VICMaryborough VICMarysville VICMelbourneMelbourne Cbd VICMelbourne VICMelton South VICMelton VICMelton West VICMentone VICMerriang South VICMerriang VICMiddle Creek VICMildura VICMiners Rest VICMininera VICMitchell Park VICMoe South VICMoe VICMonbulk VICMongans Bridge VICMontmorency VICMoondarra VICMoorabbin VICMooroolbark VICMooroopna VICMordialloc VICMornington VICMorwell VICMount Beauty VICMount Bolton VICMount Buffalo VICMount Clear VICMount Cole Creek VICMount Cole VICMount Helen VICMount Macedon VICMount Pleasant VICMount Rowan VICMount Waverley VICMoyston VICMudgegonga VICMurchison VICMyrtleford VICNarracan VICNarrapumelap South VICNayook VICNeerim East VICNeerim Junction VICNeerim North VICNeerim South VICNerrin Nerrin VICNerrina VICNewhaven VICNewington VICNilma North VICNoble Park VICNoojee VICNoosa VICNorlane VICNorth Geelong VICNorth Wonthaggi VICNorthcote VICNorval VICNsw VICNug Nug VICNumurkah VICOakleigh VICOcean Grove VICOlinda VICOmeo VICOrbost VICOuttrim VICOvens VICPark Orchards VICPatterson Lakes VICPaynesville VICPiedmont VICPioneer Bay VICPlenty VICPoint Cook VICPoint Lonsdale VICPomonal VICPorepunkah VICPort Albert VICPort Campbell VICPort Fairy VICPort Melbourne VICPort Welshpool VICPortarlington VICPortsea VICPound Creek VICPreston VICPrincetown VICPura Pura VICQld VICQueenscliff VICRawson VICRedan VICReservoir VICRhyll VICRhymney VICRichmondRichmond VICRingwood VICRocky Point VICRomsey VICRosanna VICRosebud VICRosebud West VICRosewhite VICRossbridge VICRoxburgh Park VICRunning Creek VICRyanston VICRye VICSale VICSan Remo VICSandringham VICSassafras VICScotchmans Lead VICScotsburn VICSeaford VICSebastopol VICSelwyn VICSeymour VICShady Creek VICShepparton VICSilverleaves VICSmiths Beach VICSmoko VICSmythes Creek VICSoldiers Hill VICSomerville VICSorrento VICSouth Dudley VICSouth Yarra VICSpringvale VICSt Arnaud VICSt Clair VICSt Helena VICSt Kilda VICStavely VICStawell VICStratford VICStrathfieldsaye VICStreatham VICSulky VICSummerlands VICSunbury VICSunderland Bay VICSunset Strip VICSurf Beach VICSwan Hill VICTanjil Bren VICTanjil South VICTarneit VICTatura VICTatyoon VICTawonga South VICTawonga VICTemplestowe VICTenby Point VICTetoora Road VICThe Gurdies VICThomson VICThorpdale South VICThorpdale VICToorak VICTorquay VICTorwood VICTourello VICTrafalgar East VICTrafalgar South VICTrafalgar VICTraralgon VICTrida VICTruganina VICUpper Gundowring VICUpwey VICVentnor VICVenus Bay VICVesper VICVic VICViewbank VICWa VICWallan VICWandiligong VICWangaratta VICWantirna VICWarburton VICWarracknabeal VICWarragul VICWarrak VICWarrandyte South VICWarrandyte VICWarrenheip VICWarrnambool VICWartook VICWatsonia North VICWatsonia VICWattle Bank VICWattle Flat VICWattle Glen VICWaubra VICWeatherboard VICWendouree VICWerribee South VICWerribee VICWest Creek VICWestbury VICWestmere VICWickliffe VICWillaura North VICWillaura VICWilliamstown VICWillow Grove VICWimbledon Heights VICWindermere VICWodonga VICWongungarra VICWonnangatta VICWonthaggi VICWoodend VICWoodleigh VICWoolamai VICWoorndoo VICWyndham Vale VICWynnum VICYalla Y Poora VICYallambie VICYarra Glen VICYarragon South VICYarragon VICYarram VICYarrawonga VICYea VIC

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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