What the mapping shows for Legana
Part of Legana is mapped as subject to coastal inundation.
9.2% of Legana is mapped as subject to coastal inundation (coastal inundation hazard band, including 1% AEP storm tide at 2100)
48.6% of Legana is mapped as subject to coastal erosion (coastal erosion hazard band mapped for the Tasmanian planning system)
Tasmanian Coastal Inundation Hazard Bands (20161201), State of Tasmania (Department of Premier and Cabinet), 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 Legana →Property Insurance Costs in Legana, TAS: 2026 Guide
9.2% of Legana is mapped as subject to coastal inundation (coastal inundation hazard band, including 1% AEP storm tide at 2100)
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
3.2Generally affordable insurance
Key Facts
- Insurance Outlook
- Insurance premiums may increase in the future due to increased climate risks.
- Overall Risk
- Low
- Suburb
- Legana, TAS
- Risk Level
- Low
- Postcode
- 7277
Insurance Costs Analysis
Insurance costs for properties in Legana, Tasmania, 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 Legana 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 may increase in the future due to increased climate risks.
ClimateNest provides address-level insurance cost estimates for any property in Legana. 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 Legana. 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 severe storm caused damage to trees and powerlines in the Legana area.
Significant rainfall caused flooding along the Tamar River, impacting low-lying areas in Legana.
A small bushfire occurred near Legana, but was quickly contained by fire services.
Adaptation & Mitigation Actions
Improve Flood Defenses
Near-termInvest in flood defenses, such as levees and improved drainage systems, to protect properties near the Tamar River.
Est. cost: Medium
Enhance Bushfire Preparedness
Near-termImplement bushfire mitigation measures, such as fuel reduction and community education programs.
Est. cost: Low
Develop Heat Action Plan
Near-termDevelop a heat action plan to protect vulnerable populations during heatwaves, including establishing cooling centers and providing public awareness campaigns.
Est. cost: Low
Monitor Coastal Erosion
Long-termImplement a coastal monitoring program to assess erosion rates and develop strategies to protect coastal assets.
Est. cost: Medium
Upgrade Building Codes
Long-termUpdate building codes to incorporate climate resilience measures, such as improved insulation and flood-resistant materials.
Est. cost: High
Council & Emergency Services
Explore Legana Risk Reports
View other climate risk assessments for Legana:
Frequently Asked Questions
How much is home insurance in Legana?
Home insurance costs in Legana 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 Legana?
Yes, properties in flood-prone parts of Legana 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 Legana?
Most major Australian insurers provide cover for properties in Tasmania, 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 Legana?
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 Legana?
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 Legana Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Legana, Tasmania, 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