The Australian suburbs where more than half of properties will be uninsurable by 2030

Flooded houses in Forbes, NSW. Data shows rising costs associated with climate crisis hazards are making more and more homes uninsurable. Photograph: Lucy Cambourn/EPA

When Kim Sly moved to a lower-lying area of Forbes four years ago, she was asked to pay $12,000 a year for flood insurance.

The bill was a shock. Her new home was built 1.2 metres above the ground to protect it from floods, a factor that did not seem to influence the insurance company’s assessment.