According to the modelling, increased frequency of extreme weather events like fires and flooding triggered by a warming climate will put more homes in the firing line, with 200,000 Queensland homes expected to be uninsurable within 10 years.
Queensland grandmother Lorraine Ormond has already been displaced by multiple flood events, losing her home in both the 2011 and 2022 floods.
After losing her Goodna home in 2011, her insurers fought her claim for compensation and won, leaving her to clean up the aftermath.
This year, the uninsured home was destroyed again, forcing the grandmother to live in a rented caravan with her nine-year-old granddaughter, relying on donations from friends for a roof over her head.
“It’s really hard, especially with the little one all you want is to get her back inside, get her comfortable,” Ms Ormond said.
“I think it’s just the devastation and how am I going to fix this up and how am I going to replace it.
“If we had our way, we’d be doing it through insurance, we wouldn’t be waiting for basically handouts.
“We don’t want handouts, we want to be able to insure. But we can’t.”
The Climate Council mapped out at-risk areas for riverine flooding, surface water flooding, coastal inundation, fire and extreme wind.
The mapping shows if the country’s emissions outputs don’t change, 100 per cent of the homes in most Queensland suburbs will be at risk by 2100.
Nicki Hutley from the Climate Council said acting on emissions targets now is the only way to save countless homes down the track.
“This is the critical decade, to stop the outcomes that are forecast in our map,” she said.
“For 2050 and 2100, we don’t wat to see this get any worse than it already is.”
Ms Ormond said further price hikes for disaster vulnerable regions will cause further devastation for those already struggling to insure their homes.
“Basically for the average person you can’t afford insurance,” she said.
“I think its horrible and I think something has to be done… there’s gonna be a lot of people who are struggling.”