Hazard-safe ranking
The lowest flood risk suburbs in Australia.
Suburbs assessed as low flood risk or with no flood hazard record from Geoscience Australia.
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.
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 48 suburbs across Australia
The price beside a suburb is the median its own page publishes; a dash means none is published. Prices are the medians each suburb's own page publishes: NSW Valuer General sales, Land Victoria and SA Government quarterly medians, and ABS statistical-area (SA2) medians in the other states and territories.
NSW 2795
Flood risk
No data
Median price
$833K
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QLD 4871
Flood risk
No data
Median price
–
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NSW 2795
Flood risk
No data
Median price
–
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ACT 2601
Flood risk
No data
Median price
–
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VIC 3067
Flood risk
No data
Median price
$1.3M
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NSW 2289
Flood risk
No data
Median price
$1.1M
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TAS 7320
Flood risk
No data
Median price
–
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VIC 3040
Flood risk
No data
Median price
$1.9M
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NSW 2629
Flood risk
No data
Median price
$603K
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WA 6280
Flood risk
No data
Median price
–
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NSW 2046
Flood risk
No data
Median price
$3.4M
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NSW 2289
Flood risk
No data
Median price
$1.2M
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QLD 4110
Flood risk
No data
Median price
–
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SA 5159
Flood risk
No data
Median price
$940K
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NSW 2350
Flood risk
No data
Median price
–
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NSW 2176
Flood risk
No data
Median price
$1.8M
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WA 6375
Flood risk
No data
Median price
–
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TAS 7315
Flood risk
No data
Median price
–
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NSW 2763
Flood risk
No data
Median price
$1.3M
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NSW 2850
Flood risk
No data
Median price
–
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TAS 7112
Flood risk
No data
Median price
–
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NSW 2325
Flood risk
No data
Median price
$673K
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VIC 3984
Flood risk
No data
Median price
–
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NSW 2325
Flood risk
No data
Median price
–
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TAS 7306
Flood risk
No data
Median price
–
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QLD 4401
Flood risk
No data
Median price
–
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QLD 4892
Flood risk
No data
Median price
–
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SA 5440
Flood risk
No data
Median price
–
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NSW 2476
Flood risk
No data
Median price
–
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QLD 4670
Flood risk
No data
Median price
–
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TAS 7310
Flood risk
No data
Median price
–
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NSW 2476
Flood risk
No data
Median price
–
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VIC 3825
Flood risk
No data
Median price
–
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NSW 2326
Flood risk
No data
Median price
$673K
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NSW 2350
Flood risk
No data
Median price
–
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NSW 2350
Flood risk
No data
Median price
–
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VIC 3737
Flood risk
No data
Median price
–
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VIC 3714
Flood risk
No data
Median price
–
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QLD 4660
Flood risk
No data
Median price
–
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TAS 7170
Flood risk
No data
Median price
–
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NT 0822
Flood risk
No data
Median price
–
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QLD 4613
Flood risk
No data
Median price
–
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QLD 4850
Flood risk
No data
Median price
–
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NSW 2336
Flood risk
No data
Median price
$600K
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WA 6280
Flood risk
No data
Median price
–
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NSW 2320
Flood risk
No data
Median price
$807K
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QLD 4627
Flood risk
No data
Median price
–
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WA 6280
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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