IRG Cover 28 April 2025 at 12.25.09 1 (1)

Independent climate adaptation report released

The Independent Reference Group was commissioned to test policy advice and support the development of a national adaptation framework.

The Ministry for the Environment has released the final report of the Independent Reference Group on climate adaptation.

The group was established to hear insights from members' experience of making decisions on adaptation challenges and issues to inform policy advice on developing a new national adaptation framework.

Group members have backgrounds such as working with iwi, hapū and Māori or in local government, insurance and banking.

The group's report contains independent recommendations for developing a new adaptation system. It is not Government policy, but adds to the range of evidence and insights being considered as the national adaptation framework is developed.

The Government is developing a national adaptation framework to help New Zealanders better understand and manage the risks to our homes, communities and economy from a changing climate. It is expected to help communities to make more informed decisions, and provide greater certainty to support our economy.

See Adaptation framework

Independent Reference Group recommendations

The group considered the urgent challenge of the increasing exposure of New Zealand’s homes and infrastructure to natural processes like floods, erosion and storms. Its report suggests how New Zealand could transition over time to a new system for adapting to these challenges.

The group makes recommendations across three broad areas:

  • Firstly, it suggests that New Zealanders need easy access to information about the way natural hazards could impact them, so they can make informed decisions.
  • Secondly, it suggests that those who benefit most from investments to reduce the risks from climate change should generally contribute more. However, the group recommends that the Government should invest where there are wider national benefits. It suggests support may be appropriate for particularly vulnerable areas with less ability to pay.
  • Thirdly, the group says New Zealanders should be responsible for knowing their risks and making their own decisions, unless there is risk to life. As part of this, the group suggests property values and the cost of ownership such as insurance premiums or mortgages should reflect the changing level of risk, and any financial support after a disaster should not be tied to the value of affected properties. It also says Iwi/hapū/Māori should be empowered and resourced to make local adaptation decisions for whenua Māori and Māori assets.

Research into property at flood risk

The Ministry has also released research it commissioned into the number and value of homes that might suffer damage from at least one flood in the next 35 years: Estimated number and valuation of residential properties within inundation/flood zones impacted by climate change.

The estimates, from independent consultant Climate Sigma, are presented nationally and by region. The research does not look at risks for individual homes or neighbourhoods.

The research estimated that between 2,200 and 14,500 residential properties could be damaged by at least one flood from a river, the sea, or extreme rain between 2026 and 2060. These properties have a total national property value of between $1.8 billion and $12.9 billion.

The smaller number (2,200) refers to properties which could be 80 per cent damaged in a major flood, with water 3m above the house’s ground floor. The larger number (14,500) is properties which might suffer 20 per cent damage, with water 30cm above the ground floor.

The estimates are based on scenarios and reflect available data and assumptions at the time of analysis. This means estimates are subject to uncertainty, like all modelling.

Interim findings from this analysis were provided to the Finance and Expenditure Committee’s climate adaptation inquiry, and released with the Committee’s final report last year. The Independent Reference Group also cites the research in its report.