Article (Scientific journals)
Flood experience and access to insurance contribute to differences in homeowners’ post-disaster adaptation in a cross-border region of Western Europe
Endendijk, Thijs; Rodriguez Castro, Daniela; Dillenardt, Lisa et al.
2025In Communications Earth and Environment
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Keywords :
Flood adaptation; Flood risk
Abstract :
[en] The July 2021 floods in Europe stand out as one of the most devastating flood-related disasters to impact the continent in recent years, affecting multiple countries at once. As climate change intensifies, such cross-border disasters are expected to become more frequent. Here we use unique crosscountry survey data from flooded homeowners to understand the patterns and limits of how households in different nations respond to shared flood crises. We find evidence of financial, institutional, and psychological limits to household adaptation. Insurance compensation is associated with private adaptation actions shortly after flooding. Households that suffered flood damage are more likely to mitigate future risks to their homes. Yet, this intention encounters limits for extreme flood damage. Once experienced flood damages exceed a threshold of around 60% of the home reconstruction value, homeowners begin to view private adaptation efforts as less effective, prompting a shift toward relocating to safer areas.
Disciplines :
Civil engineering
Author, co-author :
Endendijk, Thijs;  Institute for Environmental Studies (IVM), Vrije Universiteit Amsterdam, Amsterdam, the Netherlands
Rodriguez Castro, Daniela  ;  Université de Liège - ULiège > Urban and Environmental Engineering
Dillenardt, Lisa;  Institute of Environmental Science and Geography, University of Potsdam, Potsdam, Germany
Guntu, Ravi;  GFZ German Research Centre for Geosciences, Section Hydrology, Potsdam, Germany
Wouter Botzen, W;  Institute for Environmental Studies (IVM), Vrije Universiteit Amsterdam, Amsterdam, the Netherlands
De Moel, Hans;  Institute for Environmental Studies (IVM), Vrije Universiteit Amsterdam, Amsterdam, the Netherlands
Thieken, Annegret;  Institute of Environmental Science and Geography, University of Potsdam, Potsdam, Germany
Kreibich, Heidi;  GFZ German Research Centre for Geosciences, Section Hydrology, Potsdam, Germany
Dewals, Benjamin  ;  Université de Liège - ULiège > Département ArGEnCo > Hydraulics in Environmental and Civil Engineering
Aerts, Jeroen;  Institute for Environmental Studies (IVM), Vrije Universiteit Amsterdam, Amsterdam, the Netherlands ; Deltares, Delft, the Netherlands
Language :
English
Title :
Flood experience and access to insurance contribute to differences in homeowners’ post-disaster adaptation in a cross-border region of Western Europe
Publication date :
02 June 2025
Journal title :
Communications Earth and Environment
eISSN :
2662-4435
Publisher :
Nature, London, United Kingdom
Peer reviewed :
Peer Reviewed verified by ORBi
Name of the research project :
JCAR project
Available on ORBi :
since 04 June 2025

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