Hazard-safe ranking · VIC

The lowest flood risk suburbs in Victoria.

Suburbs assessed as low flood risk or with no flood hazard record from Geoscience Australia. Filtered to Victoria 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.

Victoria property market in 2026

Victoria spent 2024-2025 in a softer cycle than the rest of the country, but 2026 sees the Melbourne market firming again as population growth and the steady drip of overseas migration meet a constrained pipeline of new family-suitable stock. Melbourne's median house price sits around $1.0M to $1.1M, roughly 35-40% below Sydney for an equivalent property, meaningful for first home buyers and rentvestors. Regional Victoria has been mixed: Geelong has held its COVID gains, Ballarat and Bendigo are flat-to-down. The state's planning reforms ('Plan for Victoria') are starting to push approvals up in middle-ring suburbs, which will eventually moderate growth in those pockets.

Buyer tip, VIC

Victoria's stamp duty exemption for first home buyers up to $600K (with concessions to $750K) is one of the most generous in the country. If you're a first home buyer at this price point, the saving versus NSW or Queensland can be $20K to $35K, money that goes straight to your deposit.

Watch out, VIC

Victoria's land tax regime hits investors harder than most states once portfolios cross the $300K-ish threshold. Run the numbers including land tax before assuming an investment property cashflows the way the gross rental yield suggests.

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.

By stateAll Australia NSW VIC QLD WA SA TAS NT ACT

Showing top 50 suburbs in Victoria

#	Suburb	State	Flood risk	Median price	Profile
1	Clematis 3782	VIC	No data	$874K	View profile →
2	Glen Park 3352	VIC	No data	$352K	View profile →
3	Melville Forest 3315	VIC	No data	$154K	View profile →
4	Glen Forbes 3990	VIC	No data	$469K	View profile →
5	Fyans Creek 3381	VIC	No data	$286K	View profile →
6	East Wangaratta 3678	VIC	No data	$352K	View profile →
7	Gower 3451	VIC	No data	$334K	View profile →
8	Christies 3962	VIC	No data	$220K	View profile →
9	Charam 3318	VIC	No data	$191K	View profile →
10	Carlton 3000	VIC	No data	$1.8M	View profile →
11	Monegeetta 3433	VIC	No data	$499K	View profile →
12	Landsborough West 3384	VIC	No data	$191K	View profile →
13	Reedy Creek 3895	VIC	No data	$168K	View profile →
14	Caulfield 3162	VIC	No data	$2.7M	View profile →
15	Batman 3058	VIC	No data	$477K	View profile →
16	North Pole 9999	VIC	No data	–	View profile →
17	Knox City Centre 3152	VIC	No data	$477K	View profile →
18	Chelsea 3196	VIC	No data	$1.1M	View profile →
19	Sassafras 3787	VIC	No data	$940K	View profile →
20	Spotswood 3015	VIC	No data	$1.2M	View profile →
21	Portarlington 3223	VIC	No data	$890K	View profile →
22	Brighton East 3187	VIC	No data	$2.0M	View profile →
23	Cranbourne West 3977	VIC	No data	$700K	View profile →
24	Brentford Square 3131	VIC	No data	$477K	View profile →
25	Dandenong North 3175	VIC	No data	$790K	View profile →
26	Horsham West 3400	VIC	No data	$261K	View profile →
27	Belgrave Heights 3160	VIC	No data	$1.1M	View profile →
28	Belmont 3216	VIC	No data	$686K	View profile →
29	Kangaroo Ground 3097	VIC	No data	$660K	View profile →
30	Denver 3461	VIC	No data	$334K	View profile →
31	Harkaway 3806	VIC	No data	$440K	View profile →
32	Drummond 3461	VIC	No data	$334K	View profile →
33	Boorhaman East 3678	VIC	No data	$352K	View profile →
34	Jallukur 3377	VIC	No data	$238K	View profile →
35	Goornong 3557	VIC	No data	$294K	View profile →
36	Cathcart 3377	VIC	No data	$238K	View profile →
37	Victoria Point 3294	VIC	No data	$238K	View profile →
38	Bravington 3821	VIC	No data	$381K	View profile →
39	Poowong East 3988	VIC	No data	$377K	View profile →
40	Yering 3770	VIC	No data	$429K	View profile →
41	Wonwondah East 3400	VIC	No data	$261K	View profile →
42	Ravenhall 3023	VIC	No data	$411K	View profile →
43	Mount Toolebewong 3777	VIC	No data	$381K	View profile →
44	Brimpaen 3400	VIC	No data	$261K	View profile →
45	Ada 3833	VIC	No data	$238K	View profile →
46	Moyarra 3951	VIC	No data	$334K	View profile →
47	Wonwondah South 3400	VIC	No data	$261K	View profile →
48	Amphitheatre 3377	VIC	No data	$238K	View profile →
49	Yundool 3727	VIC	No data	$269K	View profile →
50	Korweinguboora 3461	VIC	No data	$334K	View profile →

#1Clematis

VIC 3782

Flood risk

No data

Median price

$874K

View profile →

#2Glen Park

VIC 3352

Flood risk

No data

Median price

$352K

View profile →

#3Melville Forest

VIC 3315

Flood risk

No data

Median price

$154K

View profile →

#4Glen Forbes

VIC 3990

Flood risk

No data

Median price

$469K

View profile →

#5Fyans Creek

VIC 3381

Flood risk

No data

Median price

$286K

View profile →

#6East Wangaratta

VIC 3678

Flood risk

No data

Median price

$352K

View profile →

#7Gower

VIC 3451

Flood risk

No data

Median price

$334K

View profile →

#8Christies

VIC 3962

Flood risk

No data

Median price

$220K

View profile →

#9Charam

VIC 3318

Flood risk

No data

Median price

$191K

View profile →

#10Carlton

VIC 3000

Flood risk

No data

Median price

$1.8M

View profile →

#11Monegeetta

VIC 3433

Flood risk

No data

Median price

$499K

View profile →

#12Landsborough West

VIC 3384

Flood risk

No data

Median price

$191K

View profile →

#13Reedy Creek

VIC 3895

Flood risk

No data

Median price

$168K

View profile →

#14Caulfield

VIC 3162

Flood risk

No data

Median price

$2.7M

View profile →

#15Batman

VIC 3058

Flood risk

No data

Median price

$477K

View profile →

#16North Pole

VIC 9999

Flood risk

No data

Median price

–

View profile →

#17Knox City Centre

VIC 3152

Flood risk

No data

Median price

$477K

View profile →

#18Chelsea

VIC 3196

Flood risk

No data

Median price

$1.1M

View profile →

#19Sassafras

VIC 3787

Flood risk

No data

Median price

$940K

View profile →

#20Spotswood

VIC 3015

Flood risk

No data

Median price

$1.2M

View profile →

#21Portarlington

VIC 3223

Flood risk

No data

Median price

$890K

View profile →

#22Brighton East

VIC 3187

Flood risk

No data

Median price

$2.0M

View profile →

#23Cranbourne West

VIC 3977

Flood risk

No data

Median price

$700K

View profile →

#24Brentford Square

VIC 3131

Flood risk

No data

Median price

$477K

View profile →

#25Dandenong North

VIC 3175

Flood risk

No data

Median price

$790K

View profile →

#26Horsham West

VIC 3400

Flood risk

No data

Median price

$261K

View profile →

#27Belgrave Heights

VIC 3160

Flood risk

No data

Median price

$1.1M

View profile →

#28Belmont

VIC 3216

Flood risk

No data

Median price

$686K

View profile →

#29Kangaroo Ground

VIC 3097

Flood risk

No data

Median price

$660K

View profile →

#30Denver

VIC 3461

Flood risk

No data

Median price

$334K

View profile →

#31Harkaway

VIC 3806

Flood risk

No data

Median price

$440K

View profile →

#32Drummond

VIC 3461

Flood risk

No data

Median price

$334K

View profile →

#33Boorhaman East

VIC 3678

Flood risk

No data

Median price

$352K

View profile →

#34Jallukur

VIC 3377

Flood risk

No data

Median price

$238K

View profile →

#35Goornong

VIC 3557

Flood risk

No data

Median price

$294K

View profile →

#36Cathcart

VIC 3377

Flood risk

No data

Median price

$238K

View profile →

#37Victoria Point

VIC 3294

Flood risk

No data

Median price

$238K

View profile →

#38Bravington

VIC 3821

Flood risk

No data

Median price

$381K

View profile →

#39Poowong East

VIC 3988

Flood risk

No data

Median price

$377K

View profile →

#40Yering

VIC 3770

Flood risk

No data

Median price

$429K

View profile →

#41Wonwondah East

VIC 3400

Flood risk

No data

Median price

$261K

View profile →

#42Ravenhall

VIC 3023

Flood risk

No data

Median price

$411K

View profile →

#43Mount Toolebewong

VIC 3777

Flood risk

No data

Median price

$381K

View profile →

#44Brimpaen

VIC 3400

Flood risk

No data

Median price

$261K

View profile →

#45Ada

VIC 3833

Flood risk

No data

Median price

$238K

View profile →

#46Moyarra

VIC 3951

Flood risk

No data

Median price

$334K

View profile →

#47Wonwondah South

VIC 3400

Flood risk

No data

Median price

$261K

View profile →

#48Amphitheatre

VIC 3377

Flood risk

No data

Median price

$238K

View profile →

#49Yundool

VIC 3727

Flood risk

No data

Median price

$269K

View profile →

#50Korweinguboora

VIC 3461

Flood risk

No data

Median price

$334K

View profile →

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.

Other rankings

Best Suburbs for Families Highest Growth Suburbs Most Affordable Suburbs Most Walkable Suburbs Best Rental Yield Suburbs

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