What the mapping shows for Thursday Island
Part of Thursday Island is mapped as subject to coastal inundation.
52.3% of Thursday Island 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 Thursday Island →Property Insurance Costs in Thursday Island, QLD: 2026 Guide
52.3% of Thursday Island 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
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Insurance Affordability Score
7.2Higher insurance costs likely
Key Facts
- Insurance Outlook
- Insurance premiums are likely to increase due to the high risk of flooding and coastal damage.
- Overall Risk
- High
- Suburb
- Thursday Island, QLD
- Risk Level
- High
- Postcode
- 4875
Insurance Costs Analysis
Insurance costs for properties in Thursday Island, 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 Thursday Island 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 high risk of flooding and coastal damage.
ClimateNest provides address-level insurance cost estimates for any property in Thursday Island. 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 Thursday Island. An address-level check is what tells you about a specific property before you buy, sell or insure it.
Local Hazard Evidence
Historical Events
A tropical low brought strong winds and heavy rain to Thursday Island, causing minor damage to infrastructure.
Heavy rainfall caused localized flooding on Thursday Island, impacting some residential areas.
Adaptation & Mitigation Actions
Coastal Protection Measures
ImmediateImplement coastal protection measures such as seawalls, revetments, and beach nourishment to reduce erosion and inundation.
Est. cost: High
Improved Drainage Infrastructure
Near-termUpgrade drainage infrastructure to manage increased rainfall and reduce the risk of flooding.
Est. cost: Medium
Heatwave Management Plan
ImmediateDevelop and implement a heatwave management plan to protect vulnerable populations during extreme heat events.
Est. cost: Low
Community Awareness Programs
Long-termConduct community awareness programs to educate residents about climate change risks and adaptation strategies.
Est. cost: Low
Council & Emergency Services
Explore Thursday Island Risk Reports
View other climate risk assessments for Thursday Island:
Frequently Asked Questions
How much is home insurance in Thursday Island?
Home insurance costs in Thursday Island 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 Thursday Island?
Yes, properties in flood-prone parts of Thursday Island 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 Thursday Island?
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 Thursday Island?
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 Thursday Island?
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 Thursday Island Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Thursday Island, 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