Homeowner responsibility in flood risk management – the fairness of financial support for property-level flood resilience

Article

Paauw, M., Priest, S. and Crabbé, A. 2026. Homeowner responsibility in flood risk management – the fairness of financial support for property-level flood resilience. Environmental Science & Policy. 177. https://doi.org/10.1016/j.envsci.2026.104341
TypeArticle
TitleHomeowner responsibility in flood risk management – the fairness of financial support for property-level flood resilience
AuthorsPaauw, M., Priest, S. and Crabbé, A.
Abstract

Governments worldwide are diversifying their flood risk management (FRM) strategies to deal with flood risks. This requires the involvement of multiple policy domains as well as non-state actors – including homeowners. Homeowners can get involved in FRM through property-level flood resilience (PFR) measures. Various initiatives have been launched to financially support homeowners in the implementation of these measures, such as government grants and insurance mechanisms. However, even with financial support, transferring responsibility to homeowners has justice implications: many may lack the economic, social, or cultural capacity to implement PFR, and strict eligibility criteria can exclude certain groups from benefiting. This paper examines the justice implications of financial support for PFR by analysing how different mechanisms align with four conceptualisations of distributive justice: libertarian, utilitarian, Rawlsian, and egalitarian. England and Flanders serve as illustrative cases. England has developed multiple types of financial support and has a longer history of working with PFR, while in Flanders support remains limited and highly localised. By focusing on the justice dimensions of financial support for PFR – rather than a strict comparison of the two contexts – the analysis reveals how the presence of absence of support mechanisms can reinforce or mitigate inequality. These insights are important if PFR is to become mainstreamed and integrated into FRM.

KeywordsClimate change adaptation; Flood risk management; Property-level flood resilience; Distributive justice; Capacity; Inequality
Sustainable Development Goals11 Sustainable cities and communities
9 Industry, innovation and infrastructure
13 Climate action
Middlesex University ThemeSustainability
PublisherElsevier
JournalEnvironmental Science & Policy
ISSN1462-9011
Electronic1873-6416
Publication dates
Online17 Feb 2026
PrintMar 2026
Publication process dates
Submitted01 Oct 2024
Accepted13 Feb 2026
Deposited20 Feb 2026
Output statusPublished
Publisher's version
License
File Access Level
Open
Copyright Statement

Crown Copyright © 2026 Published by Elsevier Ltd. This is an open access article under the CC BY license (http://creativecommons.org/licenses/by/4.0/).

Digital Object Identifier (DOI)https://doi.org/10.1016/j.envsci.2026.104341
Web of Science identifierWOS:001695596800001
LanguageEnglish
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Alexander, M., Viavattene, C., Faulkner, H. and Priest, S. 2014. Translating the complexities of flood risk science using KEEPER - a knowledge exchange exploratory tool for professionals in emergency response. Journal of Flood Risk Management. 7 (3), pp. 205-216. https://doi.org/10.1111/jfr3.12042
Recommendations for the user-specific enhancement of flood maps
Meyer, V., Kuhlicke, C., Luther, J., Fuchs, S., Priest, S., Dorner, W., Serrhini, K., Pardoe, J., McCarthy, S., Seidel, J., Palka, G., Unnerstall, H., Viavattene, C. and Scheuer, S. 2012. Recommendations for the user-specific enhancement of flood maps. Natural Hazards and Earth System Sciences. 12, pp. 1701-1716. https://doi.org/10.5194/nhess-12-1701-2012
The fallibility of flood warning chains: can Europe’s flood warnings be effective?
Parker, D. and Priest, S. 2012. The fallibility of flood warning chains: can Europe’s flood warnings be effective? Water Resources Management. 26 (10), pp. 2927-2950. https://doi.org/10.1007/s11269-012-0057-6
Flood and coastal erosion risk management: a manual for economic appraisal
Penning-Rowsell, E., Priest, S., Parker, D., Morris, J., Tunstall, S., Viavattene, C., Chatterton, J. and Owen, D. 2013. Flood and coastal erosion risk management: a manual for economic appraisal. London, UK Routledge.
Economic evaluation of structural and non-structural flood risk management measures: examples from the Mulde river
Meyer, V., Priest, S. and Kuhlicke, C. 2012. Economic evaluation of structural and non-structural flood risk management measures: examples from the Mulde river. Natural Hazards. 62 (2), pp. 301-324.
Assessing options for the development of surface water flood warning in England and Wales
Priest, S., Parker, D., Hurford, A., Walker, J. and Evans, K. 2011. Assessing options for the development of surface water flood warning in England and Wales. Journal of Environmental Management. 92 (12), pp. 3038-3048.
Modelling the potential damage-reducing benefits of flood warnings using European cases
Priest, S., Parker, D. and Tapsell, S. 2011. Modelling the potential damage-reducing benefits of flood warnings using European cases. Environmental Hazards: Human and Policy Dimensions. 10 (2), pp. 101-120. https://doi.org/10.1080/17477891.2011.579335
Developing a process for stakeholder participation in flood risk mapping
Priest, S., Pardoe, J., McCarthy, S., Meyer, V., Kuhlicke, C. and Luther, J. 2012. Developing a process for stakeholder participation in flood risk mapping. Klijn, F. and Schweckendiek, T. (ed.) London CRC Press. pp. 185-186
Surface water flood warning requirements and potential in England and Wales
Parker, D., Priest, S. and McCarthy, S. 2011. Surface water flood warning requirements and potential in England and Wales. Applied Geography. 31 (3), pp. 891-900. https://doi.org/10.1016/j.apgeog.2011.01.002
Flood risk management in England: a changing landscape of risk responsibility?
Johnson, C. and Priest, S. 2008. Flood risk management in England: a changing landscape of risk responsibility? International Journal of Water Resources Development. 24 (4), pp. 513-525. https://doi.org/10.1080/07900620801923146
Understanding and enhancing the public's behavioural response to flood warning information.
Parker, D., Priest, S. and Tapsell, S. 2009. Understanding and enhancing the public's behavioural response to flood warning information. Meteorological Applications. 16 (1), pp. 103-114. https://doi.org/10.1002/met.119
Confronting flood risk: implications for insurance and risk transfer
Treby, E., Clark, M. and Priest, S. 2006. Confronting flood risk: implications for insurance and risk transfer. Journal of Environmental Management. 81 (4), pp. 351-359. https://doi.org/10.1016/j.jenvman.2005.11.010
Flood insurance: the challenge of the uninsured
Priest, S., Clark, M. and Treby, E. 2005. Flood insurance: the challenge of the uninsured. Area. 37 (3), pp. 295-302. https://doi.org/10.1111/j.1475-4762.2005.00633.x