Living in areas alongside rivers anywhere in Australia is a lottery. You may not see a flood for 30 years, then bam! - it floods two years in a row. Always aim for high ground when considering locations to live in flood-prone areas. Bush fires are a risk we all live with, regardless of location. The outskirts of Melbourne, for example, are regularly under fire. There are less fires in certain parts of Qld, coastwise, but this could be due to the higher levels of humidity. I've just returned from New England, and there were signboards in some places stating "Critical", with regards to fire. Most of the bushland was tinder dry, so as I say it is a lottery anywhere. It's the reality of living with severe climate changes throughout the world. Hope this helps. Brissy resident.