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

Hotham Heights

Alpine

High
72/100 risk score

Hotham Heights faces significant climate risks, particularly from bushfires and flooding.

Kinglake

UNKNOWN

High
72/100 risk score

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

Kinglake West

UNKNOWN

High
72/100 risk score

Kinglake West faces significant climate risks, particularly from bushfires and increasing heatwaves.

Launching Place

UNKNOWN

High
72/100 risk score

Launching Place faces significant risks from flooding and bushfires, with increasing heat risk also a concern.

Mallacoota

East Gippsland

High
72/100 risk score

Mallacoota faces significant climate change risks, particularly from bushfires, flooding, heatwaves and coastal hazards.

Heidelberg West

Banyule City Council

Medium
58/100 risk score

Heidelberg West in Victoria faces a medium overall climate risk, primarily driven by significant heatwave risks and a moderate flood risk due to its proximity to the Yarra River.

Ivanhoe East

City of Banyule

Medium
58/100 risk score

Ivanhoe East in Victoria faces a medium overall climate risk, driven significantly by a high susceptibility to heatwaves and a moderate flood risk from nearby waterways.

Ivanhoe

City of Banyule

Medium
58/100 risk score

Ivanhoe, a well-established inner-eastern suburb of Melbourne, faces a medium overall climate risk.

Kerang

Gannawarra

Medium
58/100 risk score

Kerang is a rural town in northern Victoria facing increasing risks from flooding and heatwaves due to climate change.

Kyneton

Macedon Ranges

Medium
58/100 risk score

Kyneton is a town in Victoria that faces moderate risks from flooding and heatwaves, with a lower risk of bushfires.

Lake Wendouree

City of Ballarat

Medium
58/100 risk score

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

Lakes Entrance

UNKNOWN

Medium
58/100 risk score

Lakes Entrance faces increasing climate risks, particularly from flooding, heatwaves and coastal hazards.

Lakeside

Cardinia

Medium
58/100 risk score

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

Lilydale

UNKNOWN

Medium
58/100 risk score

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

Loch Sport

UNKNOWN

Medium
58/100 risk score

Loch Sport faces increasing climate risks, particularly from flooding, heatwaves, and coastal erosion.

Lorne

Surf Coast

Medium
58/100 risk score

Lorne faces a medium overall climate risk, with bushfire and flood risks being the most prominent.

Lower Plenty

Banyule City Council

Medium
58/100 risk score

Lower Plenty, VIC, faces a medium overall climate risk, primarily driven by increasing heatwave intensity and a moderate flood risk from local waterways.

Macedon

UNKNOWN

Medium
58/100 risk score

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

Macleod

City of Banyule

Medium
58/100 risk score

Macleod, VIC, faces a medium overall climate risk, with heatwaves posing the most significant threat due to increasing temperatures and urban heat island effects.

Magpie

City of Greater Geelong

Medium
58/100 risk score

Magpie, Victoria, faces a medium overall climate risk, primarily driven by significant heatwave risks and moderate flood potential.

Horsham

Horsham Rural City

Medium
55/100 risk score

Horsham is a regional city in Victoria that faces moderate climate risks, particularly from flooding and heatwaves.

Icy Creek

Baw Baw Shire Council

Medium
55/100 risk score

Icy Creek, VIC, faces a significant bushfire risk due to its location near extensive bushland.

Jacob Creek

Maroondah City Council

Medium
55/100 risk score

Jacob Creek faces a medium overall climate risk, primarily driven by significant bushfire and high heatwave risks.

Jam Jerrup

Cardinia Shire Council

Medium
55/100 risk score

Jam Jerrup, VIC, faces a medium overall climate risk, primarily driven by high heatwave susceptibility and moderate flood and bushfire risks.

Jindivick

Shire of Baw Baw

Medium
55/100 risk score

Jindivick, a semi-rural suburb in Victoria, faces a medium overall climate risk, primarily driven by significant bushfire threats and increasing flood risks.

Kernot

Bass Coast Shire Council

Medium
55/100 risk score

Kernot, VIC, faces moderate risks from flooding and bushfires, with a significant and increasing threat from heatwaves.

Kialla West

Greater Shepparton

Medium
55/100 risk score

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

Kongwak

South Gippsland Shire Council

Medium
55/100 risk score

Kongwak faces a medium overall climate risk, primarily driven by moderate flood and bushfire threats.

Labertouche

Cardinia Shire Council

Medium
55/100 risk score

Labertouche, located in Victoria's Cardinia Shire, faces a significant bushfire risk due to its proximity to natural bushland.

Lance Creek

Bass Coast Shire Council

Medium
55/100 risk score

Lance Creek faces a medium overall climate risk, primarily driven by significant bushfire threats and increasing flood potential.

Lang Lang

Cardinia Shire Council

Medium
55/100 risk score

Lang Lang, VIC, faces a medium to high risk from climate change impacts, particularly bushfires and heatwaves.

Langi Logan

Pyrenees Shire

Medium
55/100 risk score

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

Longwarry

Cardinia Shire Council

Medium
55/100 risk score

Longwarry, located in Victoria's Gippsland region, faces a medium overall climate risk.

Lucas

UNKNOWN

Medium
55/100 risk score

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

Heyfield

Wellington

Medium
52/100 risk score

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

Highett

UNKNOWN

Medium
52/100 risk score

Highett faces a medium overall climate risk, with heat and flooding being the primary concerns.

Inverloch

Bass Coast

Medium
52/100 risk score

Inverloch is a coastal town in Victoria that faces moderate climate risks, particularly from flooding, heatwaves and coastal erosion.

Invermay Park

City of Ballarat

Medium
52/100 risk score

Invermay Park faces moderate risks from flooding and heatwaves, with increasing bushfire risk.

Invermay

City of Ballarat

Medium
52/100 risk score

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

Kancoona

Alpine

Medium
52/100 risk score

Kancoona faces moderate climate risks, particularly from flooding and bushfires.

Kangaroo Flat

City of Greater Bendigo

Medium
52/100 risk score

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

Kergunyah South

Indigo

Medium
52/100 risk score

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

Kilcunda

Bass Coast

Medium
52/100 risk score

Kilcunda is a coastal town in Victoria facing increasing climate risks.

Kilmore

Mitchell

Medium
52/100 risk score

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

Korumburra

South Gippsland

Medium
52/100 risk score

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

Kyabram

UNKNOWN

Medium
52/100 risk score

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

Lake Bolac

Ararat

Medium
52/100 risk score

Lake Bolac faces moderate climate risks, primarily from flooding and heatwaves.

Lake Gardens

City of Ballarat

Medium
52/100 risk score

Lake Gardens is a suburb in Ballarat, Victoria, that faces moderate climate risks, primarily from flooding and heatwaves.

Lara

City of Greater Geelong

Medium
52/100 risk score

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

Learmonth

Pyrenees Shire

Medium
52/100 risk score

Learmonth is a rural town in Victoria facing increasing climate risks.

Lismore

UNKNOWN

Medium
52/100 risk score

Lismore, VIC, faces a moderate overall climate risk.

Loch

South Gippsland

Medium
52/100 risk score

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

Long Gully

City of Greater Bendigo

Medium
52/100 risk score

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

Mafeking

Northern Grampians Shire

Medium
52/100 risk score

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

Maffra

Wellington

Medium
52/100 risk score

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

Manly

UNKNOWN

Medium
52/100 risk score

Manly, VIC, faces increasing risks from climate change, particularly related to heatwaves and coastal hazards.

Maribyrnong

UNKNOWN

Medium
52/100 risk score

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

Hoppers Crossing

Unknown

Assessment in progress

Laverton

Unknown

Assessment in progress

Manningham

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