Climate Risk in Torquay, VIC

Torquay, Victoria· Surf Coast· 3228
Updated Apr 2026

Torquay faces a medium risk from climate change impacts. The primary risks are bushfire, coastal hazards, heatwaves and flooding. Residents should prepare for more frequent extreme weather events.

Is Torquay Safe from Climate Risk?

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

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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 Torquay

Flood

Torquay faces a moderate risk of flooding, primarily from heavy rainfall events and coastal inundation. The proximity to the coast and the presence of waterways increase the potential for flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise

Bushfire

The area surrounding Torquay has a notable bushfire risk due to the presence of grasslands and nearby bushland. Hot, dry summers and strong winds can exacerbate the risk.

Key drivers:

  • ·Increased frequency of heatwaves
  • ·Drier vegetation

Heat

Torquay is experiencing an increase in the frequency and intensity of heatwaves. This poses a risk to vulnerable populations and infrastructure.

Key drivers:

  • ·Rising global temperatures
  • ·Urban heat island effect

Coastal

Torquay faces a moderate risk from coastal hazards, including sea level rise and coastal erosion. The coastline is vulnerable to storm surges and rising sea levels.

Key drivers:

  • ·Sea level rise
  • ·Increased storm intensity

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Torquay

Detailed Hazard Analysis

heat Risk

Torquay is experiencing an increase in the frequency and intensity of heatwaves. This poses a risk to vulnerable populations and infrastructure.

Primary Drivers

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

flood Risk

Torquay faces a moderate risk of flooding, primarily from heavy rainfall events and coastal inundation. The proximity to the coast and the presence of waterways increase the potential for flooding.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Sea level rise
  • ·Urban development
Data source

coastal Risk

Torquay faces a moderate risk from coastal hazards, including sea level rise and coastal erosion. The coastline is vulnerable to storm surges and rising sea levels.

Primary Drivers

  • ·Sea level rise
  • ·Increased storm intensity
  • ·Coastal erosion
Data source

bushfire Risk

The area surrounding Torquay has a notable bushfire risk due to the presence of grasslands and nearby bushland. Hot, dry summers and strong winds can exacerbate the risk.

Primary Drivers

  • ·Increased frequency of heatwaves
  • ·Drier vegetation
  • ·Stronger winds
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums are likely to increase in high-risk areas.

Price Impact

Properties in vulnerable locations may experience price stagnation or decline.

Buyer Checklist

  • 1.Check flood maps and bushfire overlays.
  • 2.Assess property's vulnerability to coastal hazards.
  • 3.Consider the cost of insurance and potential for increased premiums.
  • 4.Inquire about council plans for climate adaptation.

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

Develop a comprehensive bushfire management plan

Immediate

Implement measures to reduce fuel loads, improve firebreaks, and educate residents about bushfire safety.

Est. cost: Medium

Learn more

Invest in coastal protection measures

Near-term

Construct seawalls, restore dunes, and implement managed retreat strategies to protect coastal properties and infrastructure.

Est. cost: High

Learn more

Implement heatwave preparedness strategies

Immediate

Establish cooling centers, provide assistance to vulnerable residents, and promote water conservation.

Est. cost: Low

Learn more

Upgrade stormwater drainage infrastructure

Near-term

Improve drainage systems to reduce the risk of flooding during heavy rainfall events.

Est. cost: Medium

Learn more

Promote water conservation

Long-term

Encourage residents and businesses to reduce water consumption through education and incentives.

Est. cost: Low

Learn more

About Torquay's Climate Risk Profile

Torquay, a coastal town in Victoria, is increasingly vulnerable to the impacts of climate change. The region is experiencing rising temperatures, changes in rainfall patterns, and rising sea levels, all of which contribute to increased risks from various hazards.

Bushfire risk is a significant concern for Torquay. The surrounding grasslands and bushland create a high fuel load, and hot, dry summers increase the likelihood of fires. Climate change is expected to exacerbate these conditions, leading to more frequent and intense bushfires.

Coastal hazards, including sea level rise and coastal erosion, also pose a threat to Torquay. The coastline is vulnerable to storm surges and rising sea levels, which can inundate low-lying areas and damage infrastructure. Erosion is also a concern, as it can undermine coastal properties and infrastructure.

Heatwaves are becoming more frequent and intense in Torquay, posing a risk to vulnerable populations, such as the elderly and those with chronic health conditions. Rising temperatures can also strain infrastructure, such as power grids and transportation systems.

Flooding is another risk for Torquay, particularly from heavy rainfall events and coastal inundation. The proximity to the coast and the presence of waterways increase the potential for flooding, which can damage properties and disrupt transportation.

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

Frequently Asked Questions

What are the main climate change risks in Torquay?

The main climate change risks in Torquay are bushfires, coastal hazards (sea level rise and erosion), heatwaves, and flooding.

How is the Surf Coast Shire Council addressing climate change?

The Surf Coast Shire Council has developed a climate strategy that outlines actions to reduce greenhouse gas emissions and adapt to the impacts of climate change.

What can I do to prepare for bushfires in Torquay?

You can prepare for bushfires by creating a bushfire survival plan, clearing vegetation around your home, and staying informed about fire danger ratings.

How will sea level rise affect Torquay?

Sea level rise is expected to inundate low-lying coastal areas, increase coastal erosion, and increase the risk of storm surges in Torquay.

Where can I find information about flood risks in Torquay?

You can find information about flood risks in Torquay on the Surf Coast Shire Council website, including flood maps and information about flood overlays.

What kind of financial assistance is available for climate resilience?

Contact the Surf Coast Shire Council to inquire about available grants and programs for climate resilience and adaptation measures.

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 Torquay, use our analysis tool.

Check Your flood Risk Now

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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