Climate Risk in Monto, QLD

Monto, Queensland
Updated Mar 2026

Monto faces moderate risks from flooding, bushfires, and heatwaves. Climate change is expected to exacerbate these risks, particularly increasing the frequency and intensity of heatwaves and bushfire conditions. Residents should prepare for these potential impacts.

Is Monto Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Monto, Queensland, covering flood, bushfire, sea level rise and more.

Free instant previewCSIRO-powered data

What A$49 could save you from

$7.2B
2022 insured disaster losses*
$300B+
climate risk to property by 2050*
30-120%
insurance premium increases in high-risk areas*

*Industry sources: ICA, APRA, RBA

Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections

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Overall Risk Score

Address-level

Hazard Breakdown

Flood, bushfire, heat, coastal and storm exposure are all assessed in this area. The score that matters is the property's own: a ClimateNest report scores the address across eight hazards, with insurance and value projections to 2050.

Climate Hazard Breakdown for Monto

Flood

Monto experiences moderate flood risk due to its proximity to the Three Moon Creek. Intense rainfall events can lead to flash flooding and riverine flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Changes in land use

Bushfire

Monto faces a high bushfire risk due to the surrounding bushland and dry conditions, particularly during the dry season. Grassfires are also a concern.

Key drivers:

  • ·Increased temperatures
  • ·Prolonged drought periods

Heat

Monto experiences moderately high temperatures, with heatwaves becoming more frequent and intense. This poses a risk to vulnerable populations.

Key drivers:

  • ·Rising global temperatures
  • ·Urban heat island effect

Coastal

Monto is located inland and does not face any direct coastal risks.

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Monto

Detailed Hazard Analysis

heat Risk

Monto experiences moderately high temperatures, with heatwaves becoming more frequent and intense. This poses a risk to vulnerable populations.

Primary Drivers

  • ·Rising global temperatures
  • ·Urban heat island effect
Data source

flood Risk

Monto experiences moderate flood risk due to its proximity to the Three Moon Creek. Intense rainfall events can lead to flash flooding and riverine flooding.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Changes in land use
  • ·Aging infrastructure
Data source

coastal Risk

Monto is located inland and does not face any direct coastal risks.

Data source

bushfire Risk

Monto faces a high bushfire risk due to the surrounding bushland and dry conditions, particularly during the dry season. Grassfires are also a concern.

Primary Drivers

  • ·Increased temperatures
  • ·Prolonged drought periods
  • ·Fuel load accumulation
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to the increased risk of flooding and bushfires.

Price Impact

Properties in flood-prone or bushfire-prone areas may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and bushfire hazard overlays.
  • 2.Assess the property's vulnerability to flooding and bushfires.
  • 3.Obtain adequate insurance coverage.
  • 4.Consider the potential impact of climate change on property value.

How the region's climate is projected to change

Regional projections, not a forecast for this street. Figures are from the WA Department of Water and Environmental Regulation's climate projections for the South Western Flatlands region, which draws on CSIRO and Bureau of Meteorology modelling.

Temperature

+0.5 to 1.1°C by 2030

Above the 1986–2005 climate, on all emissions scenarios. By 2090, 1.2 to 2.0°C under intermediate emissions or 2.6 to 4.0°C under high emissions.

Rainfall

Winter rain down up to 15% by 2030

The South West has been drying since 1970, and the decline has been larger than anywhere else in Australia. Heavy rainfall events are projected to become more intense even as totals fall.

Fire weather

Harsher, magnitude uncertain

High confidence that fire weather becomes harsher, low confidence in the size of the change, because it depends heavily on summer rainfall.

Sea level

+0.12 m by 2030

At the Fremantle gauge, range 0.07 to 0.16 m. Very high confidence that sea levels continue to rise through the century.

Source: Department of Water and Environmental Regulation (WA), Western Australian climate projections: summary, September 2021, South Western Flatlands chapter. Read the projections →

Adaptation Recommendations

Improve Flood Defenses

Near-term

Invest in improved drainage systems and flood barriers to protect properties from flooding.

Est. cost: Medium

Learn more

Bushfire Preparedness

Immediate

Implement community-wide bushfire preparedness programs, including fuel reduction and evacuation planning.

Est. cost: Low

Learn more

Heatwave Action Plan

Near-term

Develop a heatwave action plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Learn more

Water Conservation

Long-term

Promote water conservation measures to ensure adequate water supply during prolonged drought periods.

Est. cost: Low

Learn more

Community Education Programs

Long-term

Implement community education programs to raise awareness about climate change risks and adaptation strategies.

Est. cost: Low

Learn more

About Monto's Climate Risk Profile

Monto, Queensland, is a rural town that is increasingly vulnerable to the impacts of climate change. The primary risks include flooding from Three Moon Creek, bushfires due to the surrounding dry bushland, and heatwaves during the summer months.

Flooding is a significant concern, with intense rainfall events capable of causing flash flooding and riverine flooding. Climate change is projected to increase the intensity of rainfall events, leading to more frequent and severe flooding.

Bushfire risk is also high, particularly during the dry season. The surrounding bushland provides ample fuel for fires, and climate change is expected to increase the frequency and severity of bushfire conditions.

Heatwaves are becoming more frequent and intense, posing a risk to vulnerable populations, such as the elderly and those with chronic health conditions. Climate change is driving up average temperatures, leading to more extreme heat events.

While Monto is not located near the coast, indirect impacts from coastal changes could affect the region. It is important for residents to stay informed and take steps to prepare for these potential impacts.

Suburb pages describe the local picture. The address-level assessment, with its data sources and its dollar projections, is in the ClimateNest report.

Local Government Resources

North Burnett Regional Council

Frequently Asked Questions

What are the main climate change risks in Monto?

The main climate change risks in Monto are flooding, bushfires, and heatwaves. These risks are expected to increase in the future due to climate change.

How can I prepare my property for flooding?

You can prepare your property for flooding by improving drainage, installing flood barriers, and elevating appliances and furniture.

What should I do during a bushfire?

During a bushfire, follow the instructions of emergency services. If you are advised to evacuate, do so immediately. If you are staying, protect your home by wetting down the roof and clearing vegetation around the property.

How can I stay safe during a heatwave?

During a heatwave, stay hydrated, avoid strenuous activity, and seek shelter in air-conditioned buildings. Check on vulnerable neighbors and family members.

Where can I find more information about climate change in Monto?

You can find more information about climate change in Monto from the North Burnett Regional Council, the Queensland Government, and the Bureau of Meteorology.

Is Monto likely to become uninsurable due to climate change?

While it's difficult to predict the future with certainty, the increasing risks of flooding and bushfires could lead to higher insurance premiums or difficulty obtaining coverage in the long term. Taking steps to mitigate these risks can help improve insurability.

Get your property's risk report

This suburb assessment covers the area. For a precise address-level climate risk report for any specific property in Monto, use our analysis tool.

Check Your flood Risk Now

Check Monto's specific flood risk and see how it compares to nearby suburbs. Enter your address for an instant risk assessment.

Free instant previewCSIRO-powered data

What A$49 could save you from

$7.2B
2022 insured disaster losses*
$300B+
climate risk to property by 2050*
30-120%
insurance premium increases in high-risk areas*

*Industry sources: ICA, APRA, RBA

Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections

Climate Risk in Monto, QLD | ClimateNest