Hazard-safe ranking · ACT
The lowest flood risk suburbs in Australian Capital Territory.
Suburbs assessed as low flood risk or with no flood hazard record from Geoscience Australia. Filtered to Australian Capital Territory suburbs only.
About this ranking
Flood risk affects insurance premiums, resale value, and (increasingly) lending policy. Some big-four lenders now decline mortgages on properties in declared floodways. We rank by formal flood hazard classification from Geoscience Australia and state hazard mapping authorities.
Australian Capital Territory property market in 2026
Canberra is unique among Australian capitals, driven by public service employment, the highest-income demographic of any capital city, and the unusual leasehold land tenure system. After a soft 2024-2025 weighed by interest rates and federal hiring slowdowns, 2026 sees the market firm again. The ACT median house price sits around $980K, and rental yields are typically lower than other capitals because owner-occupier demand dominates.
Buyer tip, ACT
ACT's Home Buyer Concession Scheme (HBCS) removes stamp duty at any price from 1 July 2026, with no income test, for buyers who haven't held an interest in any property in the last five years, uniquely generous compared to threshold-based schemes elsewhere.Watch out, ACT
Land tenure in the ACT is leasehold, not freehold. The Crown Lease structure has practical implications for renovations and long-term ownership that are different to mainland states. Read the lease conditions before assuming standard freehold rules apply.Methodology
Suburbs are tagged 'low risk' when their dominant Geoscience Australia flood hazard classification is 'low', or when no flood hazard record exists for the suburb polygon. Suburbs in 'medium', 'high', or 'floodway' classifications are excluded from this ranking.Best for
Risk-averse buyers; buyers planning to insure with one of the bigger insurers; investors concerned about lender policy on flood-affected stock; long-term owner-occupiers wanting peace of mind.
Showing top 47 suburbs in Australian Capital Territory
The price beside a suburb is the median its own page publishes; a dash means none is published. Prices for the Australian Capital Territory are ABS statistical-area (SA2) medians: each is the median for the area that carries the suburb's name. An SA2 can take in surrounding localities, so a figure can differ from sales in the suburb itself.
ACT 2911
Flood risk
No data
Median price
–
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ACT 2604
Flood risk
No data
Median price
–
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ACT 2606
Flood risk
No data
Median price
$1.0M
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ACT 2606
Flood risk
No data
Median price
–
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ACT 2602
Flood risk
No data
Median price
$1.2M
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ACT 2606
Flood risk
No data
Median price
–
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ACT 2607
Flood risk
No data
Median price
$1.3M
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ACT 2612
Flood risk
No data
Median price
$1.7M
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ACT 2612
Flood risk
No data
Median price
$2.2M
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ACT 2900
Flood risk
No data
Median price
–
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ACT 2602
Flood risk
No data
Median price
$1.2M
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ACT 2615
Flood risk
No data
Median price
–
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ACT 2604
Flood risk
No data
Median price
$1.4M
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ACT 2600
Flood risk
No data
Median price
$620K
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ACT 2615
Flood risk
No data
Median price
$715K
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ACT 2614
Flood risk
No data
Median price
$1.4M
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ACT 2614
Flood risk
No data
Median price
$1.3M
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ACT 2614
Flood risk
No data
Median price
$1.3M
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ACT 2611
Flood risk
No data
Median price
$1.4M
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ACT 2600
Flood risk
No data
Median price
–
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ACT 2611
Flood risk
No data
Median price
$990K
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ACT 2904
Flood risk
No data
Median price
$940K
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ACT 2617
Flood risk
No data
Median price
$1.1M
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ACT 2607
Flood risk
No data
Median price
$1.1M
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ACT 2913
Flood risk
No data
Median price
$1.3M
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ACT 2905
Flood risk
No data
Median price
$845K
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ACT 2602
Flood risk
No data
Median price
$1.2M
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ACT 2611
Flood risk
No data
Median price
$1.3M
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ACT 2605
Flood risk
No data
Median price
$1.4M
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ACT 2903
Flood risk
No data
Median price
$880K
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ACT 2611
Flood risk
No data
Median price
$968K
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ACT 2905
Flood risk
No data
Median price
$922K
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ACT 2615
Flood risk
No data
Median price
$928K
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ACT 2615
Flood risk
No data
Median price
–
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ACT 2615
Flood risk
No data
Median price
$960K
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ACT 2611
Flood risk
No data
Median price
$1.4M
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ACT 2620
Flood risk
No data
Median price
–
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ACT 2620
Flood risk
No data
Median price
–
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ACT 2913
Flood risk
No data
Median price
$890K
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ACT 2620
Flood risk
No data
Median price
–
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ACT 2615
Flood risk
No data
Median price
$905K
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ACT 2617
Flood risk
No data
Median price
$429K
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ACT 2609
Flood risk
No data
Median price
–
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ACT 2905
Flood risk
No data
Median price
$830K
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ACT 2611
Flood risk
No data
Median price
$1.3M
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ACT 2611
Flood risk
No data
Median price
–
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ACT 2611
Flood risk
No data
Median price
–
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Common questions
About this ranking
Does 'low flood risk' mean a property won't flood?
No, 'low risk' is a probabilistic classification, not a guarantee. Properties in low-risk zones can still flood in extreme events (1-in-500 year, freak storms). What 'low risk' does mean is that mainstream lenders and insurers will treat the property as standard rather than carrying a special premium or exclusion.
What's a 'floodway' versus a flood-prone zone?
A floodway is land that channels water during a flood event, building in a floodway is highly restricted because the water flow itself is dangerous, not just the standing water. A flood-prone zone is land that's expected to be inundated but not part of the active flow. Floodways are the highest-risk classification and many lenders will decline mortgages on stock in them.
How localised is flood risk?
Extremely localised. Two adjacent streets can be in completely different risk categories depending on elevation and creek proximity. Always pull the address-specific flood report from the council before bidding, even on suburbs that appear in this ranking.
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