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

Warburton

UNKNOWN

High
72/100 risk score

Warburton faces significant risks from flooding and bushfires due to its location and the impacts of climate change.

Wartook

UNKNOWN

High
72/100 risk score

Wartook faces significant climate risks, particularly from bushfires and heatwaves.

Wattle Flat

Pyrenees Shire

High
72/100 risk score

Wattle Flat faces significant climate-related risks, particularly from bushfires, heatwaves and flooding.

Wongungarra

Alpine

High
72/100 risk score

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

Wonnangatta

Alpine

High
72/100 risk score

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

Yalla-Y-Poora

Gannawarra

High
72/100 risk score

Yalla-Y-Poora faces significant climate risks, primarily from flooding and heatwaves.

Viewbank

Banyule City Council

Medium
58/100 risk score

Viewbank faces a medium overall climate risk, with significant heat exposure and moderate flood potential.

Warrandyte

UNKNOWN

Medium
58/100 risk score

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

Warrnambool

UNKNOWN

Medium
58/100 risk score

Warrnambool faces a moderate climate risk, primarily driven by increasing flood, heatwave, and coastal hazards.

Watsonia North

Banyule City Council

Medium
58/100 risk score

Watsonia North faces a medium overall climate risk, primarily driven by significant heatwave vulnerability and increasing bushfire and flood risks.

Watsonia

Banyule City Council

Medium
58/100 risk score

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

Wattle Glen

Nillumbik

Medium
58/100 risk score

Wattle Glen faces moderate risks from flooding and bushfires, with increasing trends due to climate change.

Yallambie

City of Banyule

Medium
58/100 risk score

Yallambie, VIC, faces a medium overall climate risk, with significant vulnerabilities to heatwaves and moderate risks from flooding.

Yarra Glen

Yarra Ranges

Medium
58/100 risk score

Yarra Glen faces moderate climate risks, primarily from flooding and bushfires.

Upwey

Yarra Ranges

Medium
55/100 risk score

Upwey is a suburb in the Dandenong Ranges with a medium overall climate risk.

Ventnor

Bass Coast Shire Council

Medium
55/100 risk score

Ventnor, located on Phillip Island, faces a medium overall climate risk, primarily driven by significant coastal hazards including erosion and inundation.

Venus Bay

UNKNOWN

Medium
55/100 risk score

Venus Bay faces moderate climate risks, primarily from flooding, heatwaves, and coastal erosion.

Vesper

Bass Coast Shire Council

Medium
55/100 risk score

Vesper, VIC, faces a medium overall climate risk, with bushfire posing the most significant threat due to surrounding vegetation.

Vic

UNKNOWN

Medium
55/100 risk score

Vic faces several climate-related risks, including flooding, bushfires, heatwaves, and coastal hazards.

Wattle Bank

Cardinia Shire Council

Medium
55/100 risk score

Wattle Bank, VIC, faces a medium overall climate risk, with significant threats from bushfires and heatwaves.

Weatherboard

Moorabool Shire Council

Medium
55/100 risk score

Weatherboard, VIC, faces a medium overall climate risk, primarily driven by increasing bushfire and flood threats.

West Creek

City of Ballarat

Medium
55/100 risk score

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

Westbury

City of Ballarat

Medium
55/100 risk score

Westbury, located in Victoria, faces a medium overall climate risk, primarily driven by bushfire and increasing heatwave intensity.

Willow Grove

City of Casey

Medium
55/100 risk score

Willow Grove faces a medium overall climate risk, primarily driven by significant heatwave and moderate flood risks.

Wimbledon Heights

City of Monash

Medium
55/100 risk score

Wimbledon Heights in Victoria faces a growing heat risk due to rising temperatures and urbanisation, with moderate flood potential from nearby waterways.

Woodleigh

City of Cardinia

Medium
55/100 risk score

Woodleigh faces a medium overall climate risk, primarily driven by increasing bushfire and flood threats.

Woolamai

Bass Coast Shire Council

Medium
55/100 risk score

Woolamai, Victoria, faces a medium overall climate risk, with significant threats from increasing heatwaves and bushfire potential.

Yarragon South

Shire of Baw Baw

Medium
55/100 risk score

Yarragon South in Victoria faces moderate risks from flooding and bushfires, with increasing concerns due to climate change.

Yarragon

Baw Baw Shire Council

Medium
55/100 risk score

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

Yarram

Wellington

Medium
55/100 risk score

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

Yea

Murrindindi

Medium
55/100 risk score

Yea is a town in Victoria, Australia, located northeast of Melbourne.

Wa

UNKNOWN

Medium
52/100 risk score

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

Wallan

Mitchell

Medium
52/100 risk score

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

Wandiligong

Alpine

Medium
52/100 risk score

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

Wangaratta

Rural City of Wangaratta

Medium
52/100 risk score

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

Wantirna

Knox

Medium
52/100 risk score

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

Warracknabeal

Yarriambiack Shire

Medium
52/100 risk score

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

Warragul

Baw Baw

Medium
52/100 risk score

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

Warrak

Pyrenees Shire

Medium
52/100 risk score

Warrak is a rural locality in Victoria, facing moderate risks from bushfires, floods and heatwaves.

Warrandyte South

UNKNOWN

Medium
52/100 risk score

Warrandyte South faces moderate climate risks, primarily from flooding and bushfires.

Warrenheip

City of Ballarat

Medium
52/100 risk score

Warrenheip faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase in severity.

Waubra

Pyrenees

Medium
52/100 risk score

Waubra is a rural town in Victoria facing increasing risks from bushfires, heatwaves and flooding.

Wendouree

City of Ballarat

Medium
52/100 risk score

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

Werribee South

Wyndham

Medium
52/100 risk score

Werribee South is a coastal suburb facing increasing risks from climate change.

Westmere

Pyrenees Shire

Medium
52/100 risk score

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

Wickliffe

Ararat Rural City

Medium
52/100 risk score

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

Willaura North

Ararat Rural City

Medium
52/100 risk score

Willaura North faces increasing risks from bushfires, floods, and heatwaves due to climate change.

Willaura

Ararat Rural City

Medium
52/100 risk score

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

Windermere

City of Ballarat

Medium
52/100 risk score

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

Wodonga

Wodonga

Medium
52/100 risk score

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

Wonthaggi

Bass Coast

Medium
52/100 risk score

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

Woodend

Macedon Ranges

Medium
52/100 risk score

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

Woorndoo

Southern Grampians Shire

Medium
52/100 risk score

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

Wynnum

UNKNOWN

Medium
52/100 risk score

Wynnum faces moderate risks from flooding, heatwaves, and coastal hazards.

Yarrawonga

UNKNOWN

Medium
52/100 risk score

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

Werribee

Unknown

Assessment in progress

Williamstown

Unknown

Assessment in progress

Wyndham Vale

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