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

Tanjil South

Baw Baw Shire Council

Medium
100/100 risk score

Tanjil South, Victoria, faces moderate risks from flooding and heatwaves, with a lower but present risk of bushfires.

Tanjil Bren

Baw Baw Shire Council

High
78/100 risk score

Tanjil Bren faces significant bushfire and flood risks due to its location within dense forests and proximity to waterways.

Sassafras

UNKNOWN

High
72/100 risk score

Sassafras, Victoria, faces significant climate risks, particularly from bushfires and flooding due to its location in the Dandenong Ranges.

Sulky

Pyrenees Shire

High
72/100 risk score

Sulky, Victoria, faces significant risks from bushfires, flooding, and heatwaves.

Scotchmans Lead

City of Ballarat

Medium
58/100 risk score

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

Scotsburn

Shire of Baw Baw

Medium
58/100 risk score

Scotsburn, located in Victoria's Shire of Baw Baw, faces a medium overall climate risk, primarily driven by a high bushfire risk and a moderate flood risk.

Silverleaves

Greater Bendigo City Council

Medium
58/100 risk score

Silverleaves, VIC, faces a medium overall climate risk, primarily driven by significant bushfire and heatwave threats.

Smiths Beach

Bass Coast Shire Council

Medium
58/100 risk score

Smiths Beach, Victoria, faces significant climate risks, particularly from coastal hazards and bushfires.

Sorrento

Mornington Peninsula

Medium
58/100 risk score

Sorrento faces increasing risks from climate change, particularly coastal erosion, bushfires, and heatwaves.

St Helena

City of Banyule

Medium
58/100 risk score

St Helena in Victoria faces a significant bushfire and heat risk, with moderate flood potential.

Stratford

Wellington

Medium
58/100 risk score

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

Sunset Strip

Bass Coast Shire Council

Medium
58/100 risk score

Sunset Strip faces a medium overall climate risk, driven significantly by high coastal and heat risks.

Templestowe

UNKNOWN

Medium
58/100 risk score

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

Traralgon

Latrobe City

Medium
58/100 risk score

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

Seymour

Mitchell

Medium
55/100 risk score

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

Shady Creek

Gippsland Shire Council

Medium
55/100 risk score

Shady Creek, Victoria, faces a moderate overall climate risk, primarily driven by a significant bushfire threat due to its location within a bushfire-prone area.

Somerville

Mornington Peninsula

Medium
55/100 risk score

Somerville is a suburb in Victoria that faces moderate climate risks, particularly from flooding and heatwaves.

South Dudley

Bass Coast Shire Council

Medium
55/100 risk score

South Dudley, Victoria, faces a moderate overall climate risk, primarily driven by bushfire threats due to its proximity to natural vegetation.

St Clair

City of Brimbank

Medium
55/100 risk score

St Clair in Victoria faces a medium overall climate risk, primarily driven by significant heat risks due to urbanisation and limited green space.

Summerlands

Bass Coast Shire Council

Medium
55/100 risk score

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

Sunderland Bay

Bass Coast Shire Council

Medium
55/100 risk score

Sunderland Bay faces significant coastal risks, including erosion and inundation, exacerbated by sea level rise and increased storm intensity.

Surf Beach

Bass Coast Shire Council

Medium
55/100 risk score

Surf Beach faces a medium overall climate risk, with significant threats from coastal erosion and inundation due to its beachfront location.

Swan Hill

UNKNOWN

Medium
55/100 risk score

Swan Hill faces moderate climate risks, primarily from flooding and heatwaves.

Tenby Point

Bass Coast Shire Council

Medium
55/100 risk score

Tenby Point faces a medium overall climate risk, primarily driven by significant heat and coastal hazards.

Tetoora Road

City of Monash

Medium
55/100 risk score

Tetoora Road faces a medium overall climate risk, primarily driven by significant heat stress and increasing flood potential.

The Gurdies

Bass Coast Shire Council

Medium
55/100 risk score

The Gurdies, VIC, faces a significant bushfire risk due to its surrounding vegetation and a moderate risk from flooding and heatwaves.

Thomson

City of Greater Geelong

Medium
55/100 risk score

Thomson, VIC, faces a moderate overall climate risk, with significant concerns around heatwaves and a notable flood risk due to its proximity to the Barwon River.

Thorpdale South

South Gippsland Shire Council

Medium
55/100 risk score

Thorpdale South faces a medium overall climate risk, primarily driven by increasing heatwave intensity and moderate flood risks.

Thorpdale

South Gippsland Shire Council

Medium
55/100 risk score

Thorpdale, Victoria, faces a medium overall climate risk, with significant threats from heatwaves and a moderate risk from bushfires.

Torwood

Moorabool Shire Council

Medium
55/100 risk score

Torwood, Victoria, faces a moderate overall climate risk, primarily driven by a significant bushfire threat due to its proximity to natural vegetation.

Trafalgar East

Baw Baw Shire Council

Medium
55/100 risk score

Trafalgar East in Victoria faces a moderate overall climate risk, with bushfire posing the most significant threat due to its location near extensive bushland.

Trafalgar South

Baw Baw Shire Council

Medium
55/100 risk score

Trafalgar South in Victoria faces moderate to high risks from flooding and heatwaves, with increasing trends due to climate change.

Trafalgar

Latrobe City

Medium
55/100 risk score

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

Trida

Pyrenees Shire Council

Medium
55/100 risk score

Trida, Victoria, faces a moderate to high climate risk, primarily driven by increasing bushfire and heatwave threats.

Seaford

Frankston

Medium
52/100 risk score

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

Sebastopol

UNKNOWN

Medium
52/100 risk score

Sebastopol faces moderate risks from flooding and heatwaves, with climate change expected to exacerbate these threats.

Selwyn

Medium
52/100 risk score

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

Shepparton

UNKNOWN

Medium
52/100 risk score

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

Smoko

Alpine

Medium
52/100 risk score

Smoko, Victoria, faces moderate climate risks, particularly from bushfires and flooding.

Smythes Creek

City of Ballarat

Medium
52/100 risk score

Smythes Creek faces moderate climate risks, primarily from flooding and heatwaves.

Soldiers Hill

City of Greater Bendigo

Medium
52/100 risk score

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

St Arnaud

Northern Grampians Shire

Medium
52/100 risk score

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

Stavely

Ararat Rural City

Medium
52/100 risk score

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

Stawell

UNKNOWN

Medium
52/100 risk score

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

Strathfieldsaye

City of Greater Bendigo

Medium
52/100 risk score

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

Streatham

Pyrenees Shire

Medium
52/100 risk score

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

Sunbury

Hume

Medium
52/100 risk score

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

Tatura

Greater Shepparton

Medium
52/100 risk score

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

Tatyoon

Ararat

Medium
52/100 risk score

Tatyoon faces moderate risks from bushfires, heatwaves and flooding.

Tawonga South

Alpine

Medium
52/100 risk score

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

Tawonga

Alpine

Medium
52/100 risk score

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

Torquay

Surf Coast

Medium
52/100 risk score

Torquay faces a medium risk from climate change impacts.

Tourello

Hepburn

Medium
52/100 risk score

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

Truganina

Wyndham

Medium
52/100 risk score

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

Upper Gundowring

Towong Shire

Medium
52/100 risk score

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

South Yarra

Unknown

Assessment in progress

Springvale

Unknown

Assessment in progress

St Kilda

Unknown

Assessment in progress

Tarneit

Unknown

Assessment in progress

Toorak

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