Lake Macquarie City (NSW, Australia) is a highly populated region with increasing density. Lake Macquarie waterway is one of Australia’s largest saltwater lakes. The population is centered around the lake that is at risk from flooding and predicted sea level rise. Lake Macquarie City Council (LMCC) has identified the need to establish a baseline of built environment resilience and to start addressing insurance affordability as a key issue for its community. LMCC is working with Edge Environment to understand the resilience of vulnerable suburbs and use it as a basis for engaging with insurers on maintaining insurance affordability throughout the LGA. LMCC has been developing a methodology to collate information about risk and vulnerability of housing stock to natural hazards to treat these through initiatives such as land-use planning, development guidelines and mitigation infrastructure. A pilot project in 2013 developed a methodology to audit the housing stock for the structure, materials and floor heights of homes and overlay the flood risk to create a ‘heat-map’ of exposure, sensitivity and vulnerability of housing stock. The current work is to further refine the methodology for data collection and collation (across Council databases) and establish a larger database. The data can be mapped using the Building Resilience Rating Tool (BRRT) to allow Council to take a ‘helicopter view’ of different suburb’s resilience to flood, storm events. Crucially, the database can be starting point for engagement with insurers on what factors influence insurance pricing and how LMCC may be able to assist local residents.