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

Erica

Gippsland Shire Council

High
78/100 risk score

Erica, Victoria, faces significant bushfire and flood risks due to its forested surroundings and valley location.

Eildon

UNKNOWN

High
72/100 risk score

Eildon faces significant risks from flooding and bushfires due to its location near the Eildon Dam and surrounding forests.

Eureka

City of Ballarat

High
72/100 risk score

Eureka faces significant climate risks, particularly from bushfires, heatwaves and flooding.

Falls Creek

Alpine

High
72/100 risk score

Falls Creek is an alpine resort village in Victoria, facing increasing risks from bushfires, floods, and heatwaves due to climate change.

Halls Gap

UNKNOWN

High
72/100 risk score

Halls Gap faces significant climate risks, particularly from bushfires and flooding.

Harrietville

Alpine

High
72/100 risk score

Harrietville faces significant risks from bushfires and flooding due to its location and climate.

Dunneworthy

Pyrenees Shire

Medium
58/100 risk score

Dunneworthy faces moderate risks from flooding and heatwaves, with bushfire risk also a concern.

Durham Lead

City of Ballarat

Medium
58/100 risk score

Durham Lead faces a medium overall climate risk, primarily driven by significant bushfire and moderate flood risks.

Echuca

UNKNOWN

Medium
58/100 risk score

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

Eltham

Nillumbik

Medium
58/100 risk score

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

Emerald

Cardinia

Medium
58/100 risk score

Emerald is a suburb in Victoria that faces moderate climate risks, primarily from flooding and bushfires.

Epping

City of Whittlesea

Medium
58/100 risk score

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

Glendaruel

Bass Coast Shire Council

Medium
58/100 risk score

Glendaruel faces a medium overall climate risk, with significant concerns around flooding and heatwaves.

Hastings

Mornington Peninsula

Medium
58/100 risk score

Hastings, VIC, faces increasing climate risks, particularly from heatwaves and flooding.

Healesville

Yarra Ranges

Medium
58/100 risk score

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

Heidelberg Heights

Banyule City Council

Medium
58/100 risk score

Heidelberg Heights in Victoria faces a medium overall climate risk, primarily driven by a high susceptibility to heatwaves and a moderate risk of flooding.

Heidelberg

UNKNOWN

Medium
58/100 risk score

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

Drouin West

Baw Baw Shire Council

Medium
55/100 risk score

Drouin West, Victoria, presents a mixed climate risk profile.

Eaglemont

City of Banyule

Medium
55/100 risk score

Eaglemont, VIC, faces a medium overall climate risk, primarily driven by significant heatwave vulnerability and a moderate flood risk.

Echuca Village

UNKNOWN

Medium
55/100 risk score

Echuca Village faces moderate risks from flooding, bushfires, and heatwaves, with heat being the most significant concern.

Eltham North

Nillumbik

Medium
55/100 risk score

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

Ercildoune

Pyrenees Shire Council

Medium
55/100 risk score

Ercildoune faces a moderate overall climate risk, primarily driven by an increasing bushfire threat due to its proximity to grasslands and timbered areas.

Fumina South

Cardinia Shire Council

Medium
55/100 risk score

Fumina South faces a medium overall climate risk, primarily driven by significant heatwave risks and moderate flood and bushfire concerns.

Fumina

Yarra Ranges Shire

Medium
55/100 risk score

Fumina, located in Victoria's Yarra Ranges Shire, faces a notable bushfire risk due to its proximity to extensive bushland.

Glen Creek

Medium
55/100 risk score

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

Glen Forbes

Bass Coast Shire Council

Medium
55/100 risk score

Glen Forbes faces a medium overall climate risk, with significant bushfire and moderate flood risks.

Grantville

Bass Coast Shire Council

Medium
55/100 risk score

Grantville, Victoria, faces a medium overall climate risk, with significant threats from coastal erosion and sea level rise due to its Western Port Bay location.

Harmers Haven

Bass Coast Shire Council

Medium
55/100 risk score

Harmers Haven, Victoria, faces a growing climate risk profile, particularly from bushfires and heatwaves, driven by increasing temperatures and drier conditions.

Dunkeld

Southern Grampians Shire

Medium
52/100 risk score

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

Eaglehawk

City of Greater Bendigo

Medium
52/100 risk score

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

Edi Upper

UNKNOWN

Medium
52/100 risk score

Edi Upper faces moderate risks from climate change, primarily related to bushfires, heatwaves and flooding.

Edithvale

Kingston

Medium
52/100 risk score

Edithvale faces moderate climate risks, primarily from flooding, heatwaves, and coastal inundation.

Elmhurst

Pyrenees Shire

Medium
52/100 risk score

Elmhurst, Victoria, faces increasing risks from flooding, bushfires, and heatwaves due to climate change.

Eurobin

Rural City of Benalla

Medium
52/100 risk score

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

Eversley

Northern Grampians Shire

Medium
52/100 risk score

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

Ferntree Gully

UNKNOWN

Medium
52/100 risk score

Ferntree Gully faces moderate risks from flooding and heatwaves, and a high risk of bushfire.

Fitzroy

UNKNOWN

Medium
52/100 risk score

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

Freeburgh

Alpine

Medium
52/100 risk score

Freeburgh is a rural town in Victoria that faces moderate risks from flooding, bushfires, and heatwaves.

Fremantle

UNKNOWN

Medium
52/100 risk score

Fremantle, VIC, faces increasing risks from heatwaves and coastal hazards due to climate change.

Gapsted

Rural City of Wangaratta

Medium
52/100 risk score

Gapsted faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase in severity due to climate change.

Geelong

City of Greater Geelong

Medium
52/100 risk score

Geelong faces increasing climate risks, particularly from flooding and heatwaves.

Gembrook

UNKNOWN

Medium
52/100 risk score

Gembrook faces moderate risks from flooding and heatwaves, and a high risk of bushfires.

Germantown

Surf Coast Shire

Medium
52/100 risk score

Germantown faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase in severity due to climate change.

Gisborne

Macedon Ranges

Medium
52/100 risk score

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

Glen Park

Cardinia

Medium
52/100 risk score

Glen Park faces moderate risks from flooding and heatwaves, with bushfire risk also a consideration.

Glendonald

Medium
52/100 risk score

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

Glenlogie

Pyrenees Shire

Medium
52/100 risk score

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

Glenthompson

Southern Grampians Shire

Medium
52/100 risk score

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

Golden Point

City of Ballarat

Medium
52/100 risk score

Golden Point faces moderate risks from flooding and heatwaves.

Gong Gong

City of Ballarat

Medium
52/100 risk score

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

Great Western

Northern Grampians Shire

Medium
52/100 risk score

Great Western faces moderate risks from bushfires and heatwaves.

Greensborough

UNKNOWN

Medium
52/100 risk score

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

Gundowring

Towong Shire

Medium
52/100 risk score

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

Hamilton

Southern Grampians

Medium
52/100 risk score

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

Havilah

Benalla Rural City

Medium
52/100 risk score

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

Frankston

Unknown

Assessment in progress

Geelong

Moderate

Assessment in progress

Glen Waverley

Unknown

Assessment in progress

Hampton

Unknown

Assessment in progress

Hawthorn

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