This tool has been developed using the best available science at the time of creation. However there are some shortcomings of the tool that need to be mentioned.
Storm Tides

The impact of climate change on storm tides is still a developing scientific field in which not all mechanisms are fully understood or modelled at high resolution. Therefore at this time our analysis assumes that the storm tide climate will stay the same as per historical statistical behaviour and only sea level will change.


There are known discrepancies between the LiDAR elevation data and some surveying control points used - which may be of the order of a 1cm. The discrepancy is likely due to the vertical resolution of the LiDAR available, and surface accuracy which in thi model is to 5 square metres. Survey control points will be single points of greater elevation accuracy.


It is not possible within the scope of this analysis to estimate impacts on estuaries. They can be heavily impacted by tidal forcing, many kilometres from the ocean, equally they can be less prone to storm tides and wave set-up. They will also be vulnerable to combined impacts from rainfall which is beyond the scope of this model. Climate Valuation notes this as an area for future development.


The system does not consider erosion or land slip. These can be important impacts where high seas meet soft coastlines. These effects can undermine properties which may be sufficiently elevated to avoid inundation, but still vulnerable to erosion of the ground they stand on resulting in compromised foundations.


Accessing LiDAR data...

Accessing tidal data...

Accessing wave data...

Calculating the risk for the property...


Advanced Settings

Percentage of Offshore Wave Causing Set Up

Rate of wave pass-through from deep water to near shore (user estimate, default proxy). Note that the default proxy is based on McInnes et al (2012) and WMO, (1998). Actual wave pass-through will vary depending on the unique circumstances of the property and inundation event.

Damage from Flooding as a % of the Replacement Value

Estimated home damage per flooding event (% of house replacement cost) (user estimate, default proxy). Note that the 20% default proxy is based on Middleman-Fernandes (2012), which provides damage curves for flooding. Actual damage will vary depending on the unique circumstances of the property and inundation event.

Mortgage rate (interest only, precent).

Mortgage Rate of an interest only loan over 30 years starting today is defaulted to (2018). Standard Variable Rate home loan - CommBank. We use a interest only loan because we set the amount available to the owner is the same as this rate would predict. If damage happens to the property this cost comes out of the same fund and therefore leaves less available to service the loan.

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