Melbourne, City of Melbourne, Victoria, Australia
Address: Melbourne, City of Melbourne, Victoria, Australia
Physical Risk Score
Location
Overall Risk Score
Vulnerability
Country
0.77x
V: 0.28 R: 0.73
Asset
1.0x
Score
20/100
ND-GAIN Country Index × asset mitigations. Values <1.0 reduce damage; >1.0 amplify it.
Financial Summary
Asset Value
$10,000,000
ADR
1.44%
Annual Loss
$143,740
CVaR 95%
$424,702
CVaR 99%
$890,012
Business Impact
Hazard Scores
Heat
Warm Spell Duration (16.9 days) · Also: Wet Bulb Temp, Heat Index
Drought
Water Depletion (3.4 score 0-5) · Also: SPEI-12 Drought Index, Consecutive Dry Days
Flood
Interannual Variability (2.5 score 0-5) · Also: Max 1-Day Precipitation, Very Heavy Precip Days >50mm
Wildfire
Fire Weather Index Max (26.6 index) · Also: FWI Long Season
Wind
TC Max Wind Speed (11.3 m/s) · Also: TC Annual Probability (CCKP)
Cold
Heating Degree Days (2153.8 °F-days) · Also: Cold Spell Duration, Frost Days
Sea Level
Mean Sea Level (CCKP) (0.2 m)
Water
Water Stress (4.9 score 0-5) · Also: Max 1-Day Precipitation, Max 5-Day Precipitation
Risk Matrix
Hazard likelihood vs. impact for this asset
Risk Matrix
Physical Risk Analysis
Annual Damage Ratio Breakdown
| Hazard | Score | ADR % Annual Damage Ratio = calibrated damage function based on hazard score and indicator severity. Higher scores map to exponentially higher damage rates. | Est. Annual Loss Estimated Annual Loss = ADR % × Asset Value. Represents the expected yearly financial impact from this hazard. |
|---|---|---|---|
| Heat | 54 | 0.206% | $20,561 |
| Drought | 29 | 0.255% | $25,534 |
| Flood | 15 | 0.178% | $17,831 |
| Wildfire | 48 | 0.449% | $44,876 |
| Wind | 10 | 0.044% | $4,413 |
| Cold | 33 | 0.09% | $8,995 |
| Sea Level | 25 | 0.061% | $6,064 |
| Water | 21 | 0.155% | $15,460 |
| Total | 29 | 1.437% | $143,740 |
Operational Impact
Climate-driven operational cost projections
Insurance Premium
$250,204
+ 33.9% vs baseline
Utility Change
$0
0.0% of revenue
Workforce Loss
$13,500
3.0% productivity
Maintenance
$0
+0.0%
Downtime
0 days
heat 0 / flood 0 / storm 0
Insurability
Elevated
WACC +216bps
Adaptation Recommendations
Ranked interventions by 10-year ROI
| Intervention | EAL Before | EAL After | Annual Savings | Cost | Payback | 10yr ROI |
|---|---|---|---|---|---|---|
| Building Retrofit | $67,120 | $54,045 | $13,075 | $110 | 0.0yr | 118766.5% |
| Fire Suppression System | $44,876 | $22,729 | $22,146 | $45,000 | 2.0yr | 392.1% |
| Flood Barriers | $23,895 | $14,275 | $9,620 | $85,000 | 8.8yr | 13.2% |
| Insurance Coverage | $119,280 | $100,691 | $18,589 | $178,920 | 9.6yr | 3.9% |
| Cooling Systems | $20,561 | $14,420 | $6,142 | $65,000 | 10.6yr | -5.5% |