What the mapping shows for Paget
Part of Paget is mapped as subject to coastal inundation.
47.2% of Paget is mapped as part of the Queensland coastal management district (coastal management district declared under the Coastal Management Act 2016)
Queensland Coastal Management District, State of Queensland (Department of Environment, Tourism, Science and Innovation), Creative Commons Attribution 4.0, retrieved 2026-10-23
This is a share of the suburb's land area from a published state dataset, not an assessment of any property. A ClimateNest report scores the individual address across eight hazards, with insurance and value projections to 2050.
Check an address in Paget →Property Insurance Costs in Paget, QLD: 2026 Guide
47.2% of Paget is mapped as part of the Queensland coastal management district (coastal management district declared under the Coastal Management Act 2016)
That figure covers the suburb. Check whether your address is inside it - address-level, sourced, A$49.
What A$49 could save you from
*Industry sources: ICA, APRA, RBA
Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections
Not ready to check your address? See a free sample report →
Insurance Affordability Score
5.5Moderate insurance costs expected
Key Facts
- Insurance Outlook
- Insurance premiums are likely to increase due to the increasing frequency and severity of climate-related events.
- Overall Risk
- Medium
- Suburb
- Paget, QLD
- Risk Level
- Medium
- Postcode
- 4740
Insurance Costs Analysis
Insurance costs for properties in Paget, Queensland, are influenced by the area's exposure to flood, bushfire, storm, and other climate hazards. Insurers assess risk at the individual property level — two nearby properties can have meaningfully different premiums based on their specific hazard exposure.
Key drivers of premiums in Paget include flood zone classification (which affects whether flood cover is available and at what cost), bushfire attack level (BAL) ratings for properties near vegetated areas, and storm risk based on wind zone classification and hail exposure.
Insurance premiums are likely to increase due to the increasing frequency and severity of climate-related events.
ClimateNest provides address-level insurance cost estimates for any property in Paget. Get a complete report including premium estimates, coverage recommendations, and projected insurance costs through 2050 based on CSIRO climate scenarios.
ClimateNest assesses hazards at the address rather than the suburb, because exposure varies street by street within Paget. An address-level check is what tells you about a specific property before you buy, sell or insure it.
Local Hazard Evidence
Historical Events
Severe storms caused damage to buildings and infrastructure in Paget.
Major flooding in the Mackay region impacted Paget, causing disruption to businesses and infrastructure.
Adaptation & Mitigation Actions
Upgrade drainage infrastructure
Near-termInvest in upgrading drainage systems to handle increased rainfall and reduce flood risk.
Est. cost: High
Implement heatwave early warning system
ImmediateDevelop and implement a heatwave early warning system to alert residents and businesses to impending heatwaves.
Est. cost: Low
Strengthen coastal defenses
Long-termConstruct or reinforce coastal defenses to protect against sea level rise and storm surge.
Est. cost: Very High
Promote energy efficiency
Near-termEncourage businesses and residents to adopt energy-efficient practices to reduce greenhouse gas emissions.
Est. cost: Medium
Council & Emergency Services
Explore Paget Risk Reports
View other climate risk assessments for Paget:
Frequently Asked Questions
How much is home insurance in Paget?
Home insurance costs in Paget vary significantly by property address, construction type, sum insured, and hazard exposure. The best approach is to get address-specific quotes from multiple insurers. ClimateNest provides indicative insurance cost estimates based on your property's hazard profile.
Does flood risk increase insurance premiums in Paget?
Yes, properties in flood-prone parts of Paget typically have higher insurance costs. Standard home insurance may not include flood cover — it often needs to be purchased separately or may not be available in high-risk zones. ClimateNest helps you understand your property's flood insurance outlook.
Which insurers cover properties in Paget?
Most major Australian insurers provide cover for properties in Queensland, though terms, pricing, and availability vary by address. Some insurers may restrict cover or require higher excesses for properties in high-hazard locations. Comparing multiple insurers is recommended.
How will insurance premiums change by 2050 in Paget?
Climate projections suggest insurance premiums may increase as hazard exposure changes. The Insurance Council of Australia notes climate change as a material factor for the insurance industry. ClimateNest provides forward-looking insurance cost trajectories based on CSIRO climate scenarios.
What can I do to lower my insurance premiums in Paget?
Steps to potentially lower premiums include: installing bushfire-resistant features, improving drainage and flood protection, using storm-resistant roofing and fixings, increasing excess amounts, bundling policies, and maintaining cleared asset protection zones. Some insurers offer discounts for verified mitigation measures.
Is Paget Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Paget, Queensland, covering flood, bushfire, sea level rise and more.
What A$49 could save you from
*Industry sources: ICA, APRA, RBA
Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections