Climate change already threatens many people’s greatest asset, their home. This report identifies the suburbs and electorates across Australia where households and businesses face the most acute risk from climate-fuelled extreme weather events in 2025, and reveals the types of hazards that are driving this escalating risk.

Key findings

1. The climate crisis is at Australia's front door with more than two million properties already at moderate to high risk of worsening extreme weather driven by climate pollution.
2. Climate impacts are endangering all Australians, but some communities are highly exposed and face far greater risks today.
3. Past failure to cut climate pollution fast enough has resulted in more Australians and their properties being put in harm’s way, and rising insurance costs for all.
4. Insuring out of the climate crisis is not an option. Climate pollution must be urgently cut as far and fast as possible this decade, and more people need to be moved out of harm’s way with an immediate, national response to protect those already at critical risk.
5. Up-to-date information must be provided to all Australians so they can assess the risks they face.