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

Noojee

Baw Baw Shire Council

High
78/100 risk score

Noojee, Victoria, faces significant bushfire and flood risks due to its location within dense forests and near waterways.

Marysville

UNKNOWN

High
72/100 risk score

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

Mooroopna

Greater Shepparton

High
72/100 risk score

Mooroopna faces significant climate risks, particularly from flooding and heatwaves.

Mount Buffalo

Alpine

High
72/100 risk score

Mount Buffalo faces significant climate risks, particularly from bushfires and heatwaves.

Mount Cole

Pyrenees Shire

High
72/100 risk score

Mount Cole faces significant climate risks, particularly from bushfires and heatwaves.

Mount Macedon

Macedon Ranges

High
72/100 risk score

Mount Macedon faces significant risks from bushfires and moderate risks from flooding and heatwaves.

Melbourne CBD

Melbourne

Medium
58/100 risk score

Melbourne CBD faces increasing risks from flooding, heatwaves, and coastal inundation due to climate change.

Melton South

Melton

Medium
58/100 risk score

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

Merriang South

Mitchell Shire

Medium
58/100 risk score

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

Mildura

Mildura Rural City

Medium
58/100 risk score

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

Moe

Latrobe City

Medium
58/100 risk score

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

Montmorency

Banyule City Council

Medium
58/100 risk score

Montmorency, VIC, faces a significant bushfire risk due to its proximity to bushland and an increasing risk from heatwaves.

Mornington

Mornington Peninsula Shire

Medium
58/100 risk score

Mornington faces a moderate climate risk, primarily from flooding, heatwaves, and coastal erosion.

Mount Clear

City of Ballarat

Medium
58/100 risk score

Mount Clear, Victoria, faces a medium overall climate risk, with bushfire and heat posing the most significant threats.

Mount Helen

City of Ballarat

Medium
58/100 risk score

Mount Helen, located in Victoria, faces a medium overall climate risk, with bushfire and heat posing the most significant threats.

Maryborough

UNKNOWN

Medium
55/100 risk score

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

Moe South

UNKNOWN

Medium
55/100 risk score

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

Moondarra

Wellington Shire Council

Medium
55/100 risk score

Moondarra, Victoria, faces a notable bushfire risk due to its proximity to surrounding bushland and a moderate flood risk associated with the Latrobe River.

Mooroolbark

Yarra Ranges

Medium
55/100 risk score

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

Narracan

Warragul

Medium
55/100 risk score

Narracan, Victoria, faces a significant bushfire risk due to its proximity to dense vegetation and increasing hot days.

Nayook

Baw Baw Shire Council

Medium
55/100 risk score

Nayook, located in Victoria's Baw Baw Shire, faces a medium overall climate risk, primarily driven by significant bushfire and moderate flood hazards.

Neerim East

Baw Baw Shire Council

Medium
55/100 risk score

Neerim East in Victoria faces a moderate overall climate risk, primarily driven by a significant bushfire threat due to its proximity to forested areas.

Neerim Junction

Baw Baw Shire Council

Medium
55/100 risk score

Neerim Junction faces a medium overall climate risk, primarily driven by significant bushfire threats and increasing flood risks.

Neerim North

Warragul

Medium
55/100 risk score

Neerim North in Victoria faces a moderate overall climate risk, primarily driven by a significant bushfire threat due to its proximity to forested areas.

Neerim South

Baw Baw Shire Council

Medium
55/100 risk score

Neerim South faces a medium overall climate risk, primarily driven by significant bushfire threats and increasing flood and heat risks.

Newhaven

Bass Coast Shire Council

Medium
55/100 risk score

Newhaven, VIC, faces a medium overall climate risk, with significant threats from coastal processes and bushfires.

Nilma North

Baw Baw Shire Council

Medium
55/100 risk score

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

Marlo

East Gippsland

Medium
52/100 risk score

Marlo faces increasing risks from flooding, bushfires, heatwaves, and coastal erosion due to climate change.

Maroona

Southern Grampians Shire

Medium
52/100 risk score

Maroona faces moderate climate risks, primarily from bushfires and flooding.

Melton West

Melton

Medium
52/100 risk score

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

Merriang

Shire of Mitchell

Medium
52/100 risk score

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

Middle Creek

Alpine

Medium
52/100 risk score

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

Miners Rest

City of Ballarat

Medium
52/100 risk score

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

Mininera

Ararat Rural City

Medium
52/100 risk score

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

Mitchell Park

City of Ballarat

Medium
52/100 risk score

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

Monbulk

Yarra Ranges

Medium
52/100 risk score

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

Mongans Bridge

Strathbogie

Medium
52/100 risk score

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

Mordialloc

Kingston

Medium
52/100 risk score

Mordialloc is a bayside suburb in Melbourne facing increasing climate risks.

Morwell

Latrobe City

Medium
52/100 risk score

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

Mount Beauty

Alpine

Medium
52/100 risk score

Mount Beauty faces moderate risks from flooding and bushfires, with increasing heat risk.

Mount Bolton

Pyrenees Shire

Medium
52/100 risk score

Mount Bolton faces increasing risks from bushfires, heatwaves and flooding.

Mount Cole Creek

Pyrenees Shire

Medium
52/100 risk score

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

Mount Pleasant

City of Ballarat

Medium
52/100 risk score

Mount Pleasant faces moderate risks from flooding and heatwaves, which are projected to increase in the future.

Mount Rowan

City of Ballarat

Medium
52/100 risk score

Mount Rowan faces moderate risks from bushfires, heatwaves, and flooding.

Moyston

Ararat Rural City

Medium
52/100 risk score

Moyston faces moderate risks from bushfires, heatwaves and flooding.

Mudgegonga

Alpine

Medium
52/100 risk score

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

Murchison

Greater Shepparton

Medium
52/100 risk score

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

Myrtleford

Alpine

Medium
52/100 risk score

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

Narrapumelap South

Northern Grampians Shire

Medium
52/100 risk score

Narrapumelap South faces moderate risks from flooding and heatwaves, with some bushfire risk.

Nerrin Nerrin

Corangamite

Medium
52/100 risk score

Nerrin Nerrin faces a medium overall climate risk, primarily driven by increasing flood and heatwave risks.

Nerrina

City of Ballarat

Medium
52/100 risk score

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

Newington

Pyrenees

Medium
52/100 risk score

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

Noosa

UNKNOWN

Medium
52/100 risk score

Noosa, VIC, faces increasing risks from bushfires, floods, and heatwaves.

Melbourne

Moderate

Assessment in progress

Melbourne

Unknown

Assessment in progress

Melton

Unknown

Assessment in progress

Mentone

Unknown

Assessment in progress

Moorabbin

Unknown

Assessment in progress

Mount Waverley

Unknown

Assessment in progress

Noble Park

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