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By CHARLOTTE MCINTYRE FOR DAILY MAIL AUSTRALIA Published: 05:42 BST, 15 April 2025 | Updated: 05:42 BST, 15 April 2025
A new report has revealed the 86 suburbs across Australia where more than 80 per cent of properties could soon become impossible to insure. These suburbs are currently considered ‘high risk’ of becoming unaffordable or uninsurable due to the risk of climate-related damage. Climate change and its impact on Australian communities is becoming increasingly apparent due to extreme weather events. The data, commissioned by the Climate Council and Climate Valuation, has labelled several areas across the country as ‘Critical Climate Risk Zones’.When extreme weather events, including flooding, tropical cyclones and bushfires, hit these areas the level of damage to infrastructure is likely to be severe.Homes, schools, businesses, health facilities and other infrastructure would very likely be damaged.Climate Valuation looks at the costs of predicted extreme weather damage relative to the replacement cost of the average home. Almost half of the 86 suburbs were in New South Wales. Forest Fire Management Victoria at the Bayindeen bushfire in February, 2024 (pictured) Flooding in Newmarket, Brisbane, after a tropical cyclone rocked the region in March (pictured)The data lists 42 NSW suburbs, such as the popular Ballina near Byron Bay, where 99.03 per cent of the 8,910 properties located there are high risk.CEO of Climate Valuation (part of The Climate Risk Group), Dr Karl Mallon told Daily Mail Australia climate change is ‘threatening entire communities’.’Our data draws on 15million commercial and residential properties in over 15,000 Australian suburbs and 150 electorates,’ he said. ‘The numbers show us that climate change is not a far-off future event: it threatens entire communities today.’Most alarmingly, our analysis has identified 86 critical climate risk zones requiring urgent and major government interventions, such as flood levies, buy backs or other measures. ‘It is imperative that decision makers at all levels look seriously at the stark statistics presented here and work to address questions head-on: What adaptation action are all levels of government going to take now to protect our vulnerable communities?”And, how will this be financed?’In addition to the 86 suburbs identified as ‘high risk’, the report has claimed there are more than half a million properties at risk of following suit without investment. Firefighters work to extinguish smoldering trees on the outskirts of Dimboola, Victoria in January (pictured)In the report, Australia’s Critical Climate Risk Zones are defined as suburbs where at least 100 properties are located, and 80 to 100 per cent of all those properties (commercial and residential) are classified as High Risk Properties (HRP).Locations with fewer than 100 properties have not been included in the list of suburbs.Is your suburb in a critical climate risk zone? Find the full list below. LIST OF 86 SUBURBS IN CRITICAL CLIMATE RISK ZONESSuburb (in alphabetical order) State Total properties High Risk Properties Percentage of High Risk Properties Aldgate SA1,567 1,567100.00% Ali Curung NT15612882.05% Ashton SA25424295.28% Awaba NSW29025387.24% Ballina NSW8,9108,82499.03% Bar PointNSW24720281.78% Basket RangeSA21018487.62% BelairSA2,0161,98498.41% BourkeNSW1,5271,47396.46% Bowen MountainNSW696 55980.32% BradburySA12711993.70% Brenda Park SA 115 115 100.00% BridgewaterSA1,6951,67598.82% Broadwater NSW 516 429 83.14% Brookstead QLD 201 180 89.55% Brushgrove NSW 131 130 99.24% Bucketty NSW 121 121 100.00% Bundanah NSW 214 176 82.24% Canoelands NSW 109 98 89.91% Carey Gully SA 237 229 96.62% Charlotte Bay NSW 317 288 90.85% Chatsworth NSW 123 103 83.74% Chinderah NSW 1,773 1,713 96.62% Colo Heights NSW 171 163 95.32% Coromandel East SA 145 138 95.17% Crafers SA 939 936 99.68% Crafers West SA 606 606 100.00% Crangan Bay NSW 211 211 100.00% Cunnamulla QLD 1,123 1,037 92.34% Dampier Peninsula WA 120 103 85.83% Eagleton NSW 140 113 80.71% East Wardell NSW 199 199 100.00% Empire Vale NSW 118 117 99.15% Fairy Bower QLD 153 127 83.01% Ferodale NSW 152 127 83.55% Forest Range SA 148 147 99.32% Glenalta SA 852 846 99.30% Greenhill SA 208 208 100.00% Groper Creek QLD 107 105 98.13% Harwood NSW 240 239 99.58% Hawthorndale SA 1,394 1,244 89.24% Heathfield SA 445 445 100.00% Holgate NSW 372 371 99.73% Hollands Landing VIC 343 322 93.88% Hovea WA 309 307 99.35% Ironbank SA 217 216 99.54% Keith Hall NSW 103 99 96.12% Kialla West VIC 185 156 84.32% Lenswood SA 303 267 88.12% Longwood SA 116 115 99.14% Louth NSW 174 149 85.63% Mahogany Creek WA 371 302 81.40% Manangatang VIC 261 233 89.27% Martinsville NSW 237 218 91.98% Matcham NSW 448 425 94.87% Montacute SA 207 203 98.07% Mount George SA 145 135 93.10% Mylor SA 559 486 86.94% North Arm Cove NSW 971 798 82.18% North Shore NSW 228 185 81.14% Norton Summit SA 310 307 99.03% Nyngan NSW 1,642 1,358 82.70% Otford NSW 179 178 99.44% Palmers Island NSW 261 261 100.00% Pampas QLD 122 106 86.89% Paynes Crossing NSW 113 97 85.84% Pomona NSW 114 103 90.35% Ryhope NSW 101 101 100.00% Salt Ash NSW 729 596 81.76% Scott Creek SA 131 129 98.47% Seahampton NSW 134 134 100.00% Shepparton VIC 18,988 16,775 88.35% Shepparton North VIC 1,055 845 80.09% Skye SA 158 150 94.94% Spencer NSW 339 331 97.64% Stirling SA 1,769 1,769 100.00% Stonyfell SA 528 487 92.23% Tacoma South NSW 115 113 98.26% Tumbulgum NSW 204 191 93.63% Tummaville QLD 109 94 86.24% Tweed Heads South NSW 6,400 5,280 82.50% Upper Sturt SA 448 443 98.88% Walgett NSW 1,413 1,146 81.10% Webb QLD 249 219 87.95% West Ballina NSW 2,086 1,953 93.62% Woodford Island NSW 163 145 88.96% (Source: Climate Council and Climate Valuation (part of The Climate Risk Group) April 2025.)
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Revealed: The 86 suburbs in Australia where properties could become IMPOSSIBLE to insure. So is yours on the list?
