Data and scripts underlying: "Split incentives in property-level flood adaptation across households, insurers and government in the Netherlands"

This repository contains the dataset and scripts for the article: "Split incentives in property-level flood adaptation across households, insurers and government in the Netherlands". The article quantifies how flood damages and property-level adaptation benefits distribute across households, private insurers and the national government in the Dutch institutional setting, and tests how robust that distribution is to methodological uncertainty in hazard and vulnerability assessment. The dataset covers 12,992 sampled residential properties under two hazard methods (standard and BREACH), two depth-damage curve sets (SSM and Van Ederen) and their pairwise averages, for 2025 and 2050. Outputs include stakeholder-allocated expected annual damage, discounted 10-year adaptation budgets for individual stakeholders and coalitions, and three adaptation configurations spanning no adaptation to combined dry- and wet-proofing. Scripts reproduce all figures, tables and statistics in the paper.