Flood Risk in Belmont, WA: 2026 Assessment

Belmont, Western Australia· UNKNOWN
Belmont faces a moderate risk of flooding due to its proximity to the Swan River and low-lying areas. Increased rainfall intensity could exacerbate this risk.Updated 22 Mar 2026

Flood Risk Score

6.5/10

Belmont faces a moderate risk of flooding due to its proximity to the Swan River and low-lying areas. Increased rainfall intensity could exacerbate this risk.

Key Facts

Flood Risk
Belmont faces a moderate risk of flooding due to its proximity to the Swan River and low-lying areas. Increased rainfall intensity could exacerbate this risk.
Trend
increasing
Suburb
Belmont, WA
Overall Risk
Medium
Postcode
6104
Highest high-risk exposure
15.1% of land (bushfire)

Flood Risk Analysis

Belmont, located in Western Australia, has a notable flood risk profile based on available data including proximity to waterways, elevation, and historical flood events. The Bureau of Meteorology (BOM) maintains river height and flood warning data for catchments across Western Australia.

Historical flood data indicates that some areas have experienced inundation during heavy rainfall events.

Belmont faces a moderate risk of flooding due to its proximity to the Swan River and low-lying areas. Increased rainfall intensity could exacerbate this risk.

For a comprehensive property-specific flood assessment including address-level elevation data, flood overlay mapping, and insurance cost estimates, use the ClimateNest full analysis tool. General suburb data cannot replace a site-specific evaluation.

Belmont sits within ClimateNest's suburb-level hazard model for flood risk. 4.7% of the suburb's land area is mapped in high-risk flood zones and 75.2% in moderate-risk zones, based on the national hazard overlay. Exposure at this scale varies street by street, which is why an address-level check matters before you buy or insure a specific property in Belmont.

Belmont (postcode 6104) is tracked in ClimateNest's suburb hazard model, which maps the share of the suburb's land exposed to each hazard at high and moderate levels. The suburb's highest high-risk exposures are bushfire (15.1% of land in high-risk zones), surface flood (9.1% of land in high-risk zones), tropical cyclone (5.4% of land in high-risk zones). Exposure is not uniform across Belmont — individual properties can sit well above or below these averages, so an address-level check is recommended before buying, selling or insuring.

Local Hazard Evidence

Nearest WaterwaySwan River
Elevation Range5-15 meters
Flood Zone ClassificationAreas near the Swan River are prone to flooding.

Historical Events

2022
Minor

Localized flooding occurred after a period of intense rainfall.

2010
Moderate

Heavy rainfall caused flooding in low-lying areas near the Swan River.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade drainage systems to handle increased rainfall and reduce the risk of flooding.

Est. cost: Medium

Plant Trees to Reduce Urban Heat Island Effect

Near-term

Increase tree cover in urban areas to provide shade and reduce temperatures.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage residents and businesses to conserve water to reduce demand during droughts.

Est. cost: Low

Develop a Heatwave Management Plan

Immediate

Create a plan to protect vulnerable populations during heatwaves, including cooling centers and public awareness campaigns.

Est. cost: Medium

Raise Awareness About Climate Risks

Immediate

Educate residents about the risks of climate change and how to prepare for extreme weather events.

Est. cost: Low

Council & Emergency Services

City of Belmont
Emergency Services

Data last updated: 22 March 2026

Explore Belmont Risk Reports

Frequently Asked Questions

Is Belmont at risk of flooding?

Based on available data, Belmont has a notable flood risk profile. Flood risk varies by address — check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Belmont?

Insurance costs for flood cover in Belmont depend on the property's flood zone classification, elevation, and proximity to waterways. ClimateNest provides address-level insurance cost estimates based on your property's specific hazard exposure.

Does flood risk affect property values in Belmont?

Yes, flood risk can affect property values in Belmont. Properties in mapped flood zones may experience lower buyer demand, reduced valuations, and higher insurance costs. Lenders increasingly assess flood exposure as part of mortgage risk evaluation.

How does elevation affect flood risk in Belmont?

Elevation is a critical factor in flood risk. Properties at higher elevations within Belmont typically have lower flood exposure than those near waterways or in low-lying areas. Address-level elevation data combined with BOM flood mapping provides the most accurate picture.

What share of Belmont is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 15.1% of Belmont in high-risk zones for bushfire, with a further 78.4% in moderate-risk zones. Suburb-level exposure is not uniform — individual properties can differ from these averages, so an address-level check is recommended.

Is Belmont Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Belmont, Western Australia, covering flood, bushfire, sea level rise and more.

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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