买房子是人生的重大投资，谁都不想买在洪水区或者山火肆虐，偷盗频繁的地方，由于澳洲极度注重隐私很多资料在买房之前无法获得，或者要付出相当的花费从律师council等处购买，一不小心，买在洪水区 山火区，那就中招了。
有个方法，可以通过第三方那确定此类风险：保险公司，尤其是大的保险公司，有着我们常人无法触及的资源，他们的risk mapping做得当然比我们个人所能获得的资讯全面且彻底的多，站在巨人的肩上看世界：通过做一些dummy 的online quote，我们可以间接的推出要购买的物业的风险（有些保险公司会在quote里直接告诉你）。
当然挂一漏万，这只是一个思路，各位大大有什么别的方法，也欢迎交流，集思广益嘛
比如这个物业
37A Gipps Street, Carrington, NSW 2294
https://www.realestate.com.au/property-house-nsw-carrington-127057914
在NRMA网站做完quote显示：
Thanks for all the details. Based on your answers we have calculated the following cover for your home.
Your home is in a flood, rainwater run-off and storm surge affected area
Your premium includes $534.97 which covers you for flood, rainwater run-off and storm surge. Your home will be automatically covered for loss or damage caused by these events unless you choose to remove flood, rainwater run-off and storm surge cover.
而这栋房子
https://www.realestate.com.au/property-house-nsw-winmalee-133535358
大家打开NRMA或者GIO或者ALLIANZ的online quote 网页，里面的资料随便填填就是
到最后NRMA 的保费是900多，GIO是1100多，基本上在正常的范围内，所以这栋房子的山火或洪灾险是比较低的。
此方法适合初选，当你选定心仪的房子，做进一步调查时，可以选择向Council付费购买Planning Certificate （Credit to ：中间人）
Section 10.7(2) of the Environmental Planning and Assessment Act 1979
Certificates issued under Section 10.7(2) provide information about the zoning of the property, the relevant state and local planning controls and various other property affectations. The matters addressed by Section 10.7(2) Certificates are governed by the Environmental Planning & Assessment Act 1979 and Environmental Planning & Assessment Regulations 2000 and include the following where relevant:
the names of relevant local environmental plans, regional environmental plans, state environmental planning policies and development control plans
the zoning and land uses that are permitted or prohibited within that zone
any development that has been declared state significant in relation to the land
whether the land is in a mine subsidence district
whether the land is affected by any road widening or road realignment proposals
whether the land is affected by a policy that restricts development because of the likelihood of land slip, bush fire, flooding, tidal inundation, subsidence, acid sulfate soils, or any other risk
whether the land is reserved for acquisition by a public authority
the name of each contributions plan applying to the land
whether complying development may be carried out on the land under State Environmental Planning Policy (Exempt and Complying Development Codes)
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而这栋在昆州的房子
https://www.realestate.com.au/property-house-qld-mount+louisa-133041294
算出来保费差不多是上面的2倍，这可能是因为整个昆州的flood risk 比较高所致，并不是在flood zone
如果算出的保费高的离谱，那基本上肯定有问题了，要么在flood zone 要么是busfire zone 或者偷盗极为严重
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而这栋房子
37A Gipps Street, Carrington, NSW 2294
https://www.realestate.com.au/property-house-nsw-carrington-127057914
做完quote显示：
Thanks for all the details. Based on your answers we have calculated the following cover for your home.
Your home is in a flood, rainwater run-off and storm surge affected area
Your premium includes $534.97 which covers you for flood, rainwater run-off and storm surge. Your home will be automatically covered for loss or damage caused by these events unless you choose to remove flood, rainwater run-off and storm surge cover.
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保费主要跟房屋价值有关，比如房间多少都有差别
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上面的例子不是真正的算保费，是通过保费的估算，获得房屋保险以外的数据。
上面的房子在做quote的时候，放的数据都是一样的，与房子本身具体数据无关。
Newcastle的那栋房子，quote部分就有消息显示 此房子处在flood zone
类似的，有些房子会显示 此房子处在bushfire zone
而这些东西 ，中介或卖家是不会告诉你的
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学习了
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感谢分享，但是具体怎么操作呢？在买房前发房屋地址给保险公司要报价吗？？？谢谢指教
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不用，直接在各大保险公司网站做quote就是，资料可以乱填
以上的数据就是在
www.nrma.com.au
www.gio.com.au
https://www.allianz.com.au/
维州可以去RACV 昆州可以去RACQ Suncorp等
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有些房子 既不在flood zone 又不在bushfire zone ，保费却贵的离谱，那就是有可能是偷盗比较多了。
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对于偷盗 还有个第三方网站也可以间接的了解一下
https://saferhomes.nrma.com.au/
输入你的地址，会告诉你当地保险主要赔偿的类目
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https://www.realestate.com.au/property-townhouse-nsw-blacktown-133531278
比如blacktown的这个房子
输入以上地址，会显示high theft risk
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好方法，楼主有心了。
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谢谢分享，非常有用
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？？
这些信息卖家不会说吗？怎么我记得以前看过一些合同，上面都是有写的。
好像是卖房的时候，卖家需要向市政厅申请一份文件，记得那份文件上有的。而且连土壤性质好不好，什么的都有写。
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据我所知不会，
并且不同的保险公司都不会share 这个risk map的，这是核心的竞争力
谁算的risk越精确，保费收的越对，那么盈利自然上去了。
这就是为什么又是A保险公司保费贵得离谱，而B低很多，就是因为B的risk map里没有发现A所发现的risk factor。
作为顾客肯定就选B了，但是作为保险公司，B赔钱的几率就大一些了。
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nsw的话不用费劲，全都披露在合同里里。看s10.7就可以。
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看来咱们不在一个州啊，新州这边我买房看的合同里面都有写，是不是在洪水山火范围，洪水看合同没问题，但是山火我觉得但凡真要买房子，地图搜位置看交通的时候就大概知道山火情况了
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up
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谢谢分享，非常有用
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S10.7 确实可以提供一些资料，如果选定了房子，那么找council order 一份，还会知道此物业更多别的情况。
但是如果是初选，每一个感兴趣的房子都order一份，有点浪费金钱还浪费时间。
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我也在NSW，我忘记了上面那位仁兄提的S10.7条款
顺便说句，保险公司的risk mapping 是集合了council 的data 联邦及州政府还有第三方私营公司更重要的是自己的长期理赔数据，个人认为比S10.7 更为全面。
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Section 10.7(2) of the Environmental Planning and Assessment Act 1979
Certificates issued under Section 10.7(2) provide information about the zoning of the property, the relevant state and local planning controls and various other property affectations. The matters addressed by Section 10.7(2) Certificates are governed by the Environmental Planning & Assessment Act 1979 and Environmental Planning & Assessment Regulations 2000 and include the following where relevant:
the names of relevant local environmental plans, regional environmental plans, state environmental planning policies and development control plans
the zoning and land uses that are permitted or prohibited within that zone
any development that has been declared state significant in relation to the land
whether the land is in a mine subsidence district
whether the land is affected by any road widening or road realignment proposals
whether the land is affected by a policy that restricts development because of the likelihood of land slip, bush fire, flooding, tidal inundation, subsidence, acid sulfate soils, or any other risk
whether the land is reserved for acquisition by a public authority
the name of each contributions plan applying to the land
whether complying development may be carried out on the land under State Environmental Planning Policy (Exempt and Complying Development Codes)
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这个网站只能查新州么？
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我试了QLD好像也可以。
NRMA的牌子用在NSW QLD ACT TAS，我估计这几个周也可以
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谢谢楼主分享，学习了，非常好的方法
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对新司机 有用。老司机没用。
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如何选择参考的reference? 也就是正常水平是啥？
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