Risks from extreme weather events are mediated through
state, civil society and individual action
1
,
2
. We propose evolving
social contracts as a primary mechanism by which adaptation
to climate change proceeds. We use a natural experiment
of policy and social contexts of the UK and Ireland affected
by the same meteorological event and resultant flooding in
November 2009. We analyse data from policy documents and
from household surveys of 356 residents in western Ireland and
northwest England. We find significant differences between
perceptions of individual responsibility for protection across
the jurisdictions and between perceptions of future risk from
populations directly affected by flooding events. These explain
differences in stated willingness to take individual adaptive
actions when state support retrenches. We therefore show
that expectations for state protection are critical in mediating
impacts and promoting longer-term adaptation. We argue
that making social contracts explicit may smooth pathways to
effective and legitimate adaptation