Revealed: The 86 suburbs in Australia where properties could become IMPOSSIBLE to insure. So is yours on the list?

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, Australias 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.