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

Nsw

UNKNOWN

High
72/100 risk score

Nsw, Victoria faces increasing climate risks, particularly from bushfires and heatwaves.

Olinda

Yarra Ranges

High
72/100 risk score

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

Qld

UNKNOWN

High
72/100 risk score

Qld, VIC faces significant climate risks, particularly from bushfires and heatwaves.

Rhymney

Rural City of Benalla

High
72/100 risk score

Rhymney faces significant climate risks, particularly from bushfires, floods and heatwaves.

Paynesville

East Gippsland

Medium
58/100 risk score

Paynesville faces a medium overall climate risk, primarily driven by flooding, heatwaves, and coastal hazards.

Point Lonsdale

Queenscliffe

Medium
58/100 risk score

Point Lonsdale faces increasing risks from climate change, particularly related to flooding, heatwaves, and coastal hazards.

Port Albert

UNKNOWN

Medium
58/100 risk score

Port Albert faces increasing climate risks, particularly from flooding, heatwaves and coastal hazards.

Port Campbell

UNKNOWN

Medium
58/100 risk score

Port Campbell faces increasing climate risks, particularly from flooding, heatwaves, and coastal erosion.

Port Melbourne

City of Port Phillip

Medium
58/100 risk score

Port Melbourne faces increasing risks from climate change, particularly related to coastal inundation, heatwaves, and flooding.

Portsea

Mornington Peninsula

Medium
58/100 risk score

Portsea faces a medium overall climate risk, with coastal hazards and bushfire risk being the most significant concerns.

Queenscliff

UNKNOWN

Medium
58/100 risk score

Queenscliff is a coastal town facing increasing risks from climate change.

Rhyll

Bass Coast Shire Council

Medium
58/100 risk score

Rhyll, Victoria, faces a medium overall climate risk, with significant threats from coastal inundation and heatwaves.

Rosanna

Banyule City Council

Medium
58/100 risk score

Rosanna, a suburb in Melbourne's northeast, faces moderate climate risks, primarily driven by increasing heatwave intensity and a significant flood risk due to its proximity to the Yarra River.

Rosebud

Mornington Peninsula

Medium
58/100 risk score

Rosebud faces a number of climate-related risks, including flooding, bushfires, heatwaves, and coastal erosion.

Rosebud West

Mornington Peninsula

Medium
58/100 risk score

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

Rye

Mornington Peninsula

Medium
58/100 risk score

Rye faces a medium overall climate risk, with the most significant threats being heatwaves and flooding.

Sale

Wellington

Medium
58/100 risk score

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

Norlane

UNKNOWN

Medium
55/100 risk score

Norlane faces a moderate climate risk, primarily from heatwaves, flooding, and coastal hazards.

North Wonthaggi

Bass Coast Shire Council

Medium
55/100 risk score

North Wonthaggi faces a medium overall climate risk, with significant concerns around heatwaves and increasing flood potential.

Outtrim

South Gippsland Shire Council

Medium
55/100 risk score

Outtrim, Victoria, faces a moderate overall climate risk, with bushfire posing the most significant threat due to its proximity to natural vegetation.

Patterson Lakes

UNKNOWN

Medium
55/100 risk score

Patterson Lakes faces increasing risks from flooding, heatwaves, and coastal inundation due to climate change.

Piedmont

City of Yarra Ranges

Medium
55/100 risk score

Piedmont, VIC, faces a medium overall climate risk, with bushfire posing the most significant threat due to its location within a fire-prone area.

Pioneer Bay

Bass Coast Shire Council

Medium
55/100 risk score

Pioneer Bay, Victoria, faces significant coastal and heat risks due to its low-lying coastal location and rising temperatures.

Port Welshpool

UNKNOWN

Medium
55/100 risk score

Port Welshpool faces increasing climate risks, particularly from coastal hazards and flooding.

Pound Creek

South Gippsland Shire Council

Medium
55/100 risk score

Pound Creek, Victoria, faces a medium overall climate risk, with flood and heat being the primary concerns.

Princetown

UNKNOWN

Medium
55/100 risk score

Princetown faces a number of climate-related risks, including flooding, bushfires, heatwaves, and coastal erosion.

Rawson

Gippsland Shire Council

Medium
55/100 risk score

Rawson, Victoria, faces a significant bushfire risk due to its location within a high-risk zone and surrounding vegetation.

Romsey

Macedon Ranges

Medium
55/100 risk score

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

Rossbridge

Melton

Medium
55/100 risk score

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

Roxburgh Park

City of Hume

Medium
55/100 risk score

Roxburgh Park, VIC, faces a medium overall climate risk, with heatwaves being the most significant concern.

Ryanston

Bass Coast Shire Council

Medium
55/100 risk score

Ryanston faces a medium overall climate risk, with significant threats from bushfire and coastal hazards.

San Remo

Bass Coast Shire Council

Medium
55/100 risk score

San Remo faces significant coastal and heat risks, with increasing threats from bushfires and moderate flood potential.

North Geelong

Greater Geelong

Medium
52/100 risk score

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

Northcote

UNKNOWN

Medium
52/100 risk score

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

Norval

Moorabool

Medium
52/100 risk score

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

Nug Nug

Alpine

Medium
52/100 risk score

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

Numurkah

Moira

Medium
52/100 risk score

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

Ocean Grove

City of Greater Geelong

Medium
52/100 risk score

Ocean Grove is a coastal suburb in Victoria facing moderate climate risks.

Omeo

UNKNOWN

Medium
52/100 risk score

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

Orbost

East Gippsland Shire

Medium
52/100 risk score

Orbost is a town in East Gippsland, Victoria, that faces moderate risks from flooding and bushfires, which are expected to increase with climate change.

Ovens

Rural City of Wangaratta

Medium
52/100 risk score

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

Park Orchards

Manningham

Medium
52/100 risk score

Park Orchards faces moderate risks from flooding, bushfires, and heatwaves.

Plenty

UNKNOWN

Medium
52/100 risk score

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

Pomonal

Northern Grampians Shire

Medium
52/100 risk score

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

Porepunkah

Alpine

Medium
52/100 risk score

Porepunkah faces moderate risks from flooding and bushfires, with increasing heat risk due to climate change.

Port Fairy

Moyne

Medium
52/100 risk score

Port Fairy faces increasing climate risks, particularly from flooding, heatwaves, and coastal hazards.

Portarlington

City of Greater Geelong

Medium
52/100 risk score

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

Pura Pura

Gannawarra

Medium
52/100 risk score

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

Redan

City of Ballarat

Medium
52/100 risk score

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

Reservoir

City of Darebin

Medium
52/100 risk score

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

Rocky Point

Medium
52/100 risk score

Rocky Point faces increasing risks from climate change, particularly related to heatwaves and flooding.

Rosewhite

Alpine

Medium
52/100 risk score

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

Running Creek

Southern Grampians Shire

Medium
52/100 risk score

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

Oakleigh

Unknown

Assessment in progress

Point Cook

Unknown

Assessment in progress

Preston

Unknown

Assessment in progress

Richmond

Moderate

Assessment in progress

Richmond

Unknown

Assessment in progress

Ringwood

Unknown

Assessment in progress

Sandringham

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