Property Insurance Costs in Burswood, WA: 2026 Guide
Insurance Affordability Score
5.2/10Moderate insurance costs expected
Key Facts
- Insurance Outlook
- Insurance premiums may increase in the future due to increased flood and heatwave risks.
- Overall Risk
- Medium
- Suburb
- Burswood, WA
- Risk Level
- Medium
- Postcode
- 6100
- Region
- Greater Perth
- Median property value
- $750,000
- Dominant hazard
- extreme heat (6/10)
- Highest high-risk exposure
- 16.3% of land (bushfire)
Insurance Costs Analysis
Insurance costs for properties in Burswood, Western Australia, are influenced by the area's exposure to flood, bushfire, storm, and other climate hazards. Insurers assess risk at the individual property level — two nearby properties can have meaningfully different premiums based on their specific hazard exposure.
Key drivers of premiums in Burswood include flood zone classification (which affects whether flood cover is available and at what cost), bushfire attack level (BAL) ratings for properties near vegetated areas, and storm risk based on wind zone classification and hail exposure.
Insurance premiums may increase in the future due to increased flood and heatwave risks.
ClimateNest provides address-level insurance cost estimates for any property in Burswood. Get a complete report including premium estimates, coverage recommendations, and projected insurance costs through 2050 based on CSIRO climate scenarios.
Burswood located in Greater Perth (postcode 6100), is a Western Australia suburb tracked by ClimateNest. The suburb's median property value is $750,000, and understanding climate exposure is becoming a standard part of due diligence for buyers, lenders and insurers pricing property in Burswood.
Across the six hazard axes ClimateNest models, the dominant climate risk in Burswood is extreme heat (score 6/10), with moderate exposure. Insurance signals for the suburb point to premiums rising moderately (+20% by 2030). These suburb-level signals help prioritise which properties need the closest look — the actual risk of any single home can only be confirmed with an address-level report.
For insurance buyers in Burswood, premiums are increasingly priced off the property's own hazard profile rather than the suburb average — two homes in the same 6100 postcode can face materially different flood or bushfire premiums. An address-level climate report gives you the exposure picture insurers are building into Burswood pricing.
Local Hazard Evidence
Historical Events
Heavy rainfall led to flash flooding in some parts of Burswood, causing minor disruptions.
A severe storm brought strong winds and heavy rain to Burswood, causing minor damage to property.
Heavy rainfall caused localized flooding in Burswood, particularly in low-lying areas near the Swan River.
Adaptation & Mitigation Actions
Improve drainage infrastructure
Near-termUpgrade drainage systems to better manage increased rainfall and reduce the risk of flash flooding.
Est. cost: Medium
Develop a heatwave management plan
ImmediateImplement strategies to protect vulnerable populations during heatwaves, such as cooling centers and public awareness campaigns.
Est. cost: Low
Protect coastal areas
Long-termImplement measures to protect coastal areas from sea level rise and storm surges, such as seawalls and beach nourishment.
Est. cost: High
Promote water conservation
Near-termEncourage residents and businesses to conserve water to reduce strain on water resources during periods of drought.
Est. cost: Low
Council & Emergency Services
Explore Burswood Risk Reports
View other climate risk assessments for Burswood:
Frequently Asked Questions
How much is home insurance in Burswood?
Home insurance costs in Burswood vary significantly by property address, construction type, sum insured, and hazard exposure. The best approach is to get address-specific quotes from multiple insurers. ClimateNest provides indicative insurance cost estimates based on your property's hazard profile.
Does flood risk increase insurance premiums in Burswood?
Yes, properties in flood-prone parts of Burswood typically have higher insurance costs. Standard home insurance may not include flood cover — it often needs to be purchased separately or may not be available in high-risk zones. ClimateNest helps you understand your property's flood insurance outlook.
Which insurers cover properties in Burswood?
Most major Australian insurers provide cover for properties in Western Australia, though terms, pricing, and availability vary by address. Some insurers may restrict cover or require higher excesses for properties in high-hazard locations. Comparing multiple insurers is recommended.
How will insurance premiums change by 2050 in Burswood?
Climate projections suggest insurance premiums may increase as hazard exposure changes. The Insurance Council of Australia notes climate change as a material factor for the insurance industry. ClimateNest provides forward-looking insurance cost trajectories based on CSIRO climate scenarios.
What can I do to lower my insurance premiums in Burswood?
Steps to potentially lower premiums include: installing bushfire-resistant features, improving drainage and flood protection, using storm-resistant roofing and fixings, increasing excess amounts, bundling policies, and maintaining cleared asset protection zones. Some insurers offer discounts for verified mitigation measures.
What are the main climate risks in Burswood?
ClimateNest's suburb model rates Burswood's dominant climate risk as extreme heat at 6/10 on a 0–10 index, followed by damaging wind (4/10) and bushfire (3/10). These are suburb-level averages — an address-level report is needed to confirm the risk of a specific property in Burswood.
What share of Burswood is exposed to high bushfire risk?
ClimateNest's hazard overlay maps 16.3% of Burswood in high-risk zones for bushfire, with a further 56.4% 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 Burswood Safe from Climate Risk?
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What A$69 could save you from
*Industry sources: ICA, APRA, RBA
Full report from A$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections