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<journal-id journal-id-type="publisher-id">Front. Environ. Sci.</journal-id>
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<journal-title>Frontiers in Environmental Science</journal-title>
<abbrev-journal-title abbrev-type="pubmed">Front. Environ. Sci.</abbrev-journal-title>
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<issn pub-type="epub">2296-665X</issn>
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<article-id pub-id-type="publisher-id">1742357</article-id>
<article-id pub-id-type="doi">10.3389/fenvs.2026.1742357</article-id>
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<article-categories>
<subj-group subj-group-type="heading">
<subject>Original Research</subject>
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</article-categories>
<title-group>
<article-title>Comparative assessment of human and sectoral impacts of the 2010 and 2022 floods in Khyber Pakhtunkhwa, Pakistan: evidence from Jaccard similarity index and Noy&#x2010;lifeyears framework</article-title>
<alt-title alt-title-type="left-running-head">Imran et al.</alt-title>
<alt-title alt-title-type="right-running-head">
<ext-link ext-link-type="uri" xlink:href="https://doi.org/10.3389/fenvs.2026.1742357">10.3389/fenvs.2026.1742357</ext-link>
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<contrib contrib-type="author">
<name>
<surname>Imran</surname>
<given-names>Sajid</given-names>
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<sup>1</sup>
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<name>
<surname>Ali</surname>
<given-names>Amjad</given-names>
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<sup>2</sup>
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<name>
<surname>Alhumaid</surname>
<given-names>Khadija Farhan</given-names>
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<sup>3</sup>
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<surname>Ullah</surname>
<given-names>Waheed</given-names>
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<surname>Khan</surname>
<given-names>Imran</given-names>
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<sup>5</sup>
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<surname>Ullah</surname>
<given-names>Safi</given-names>
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<aff id="aff1">
<label>1</label>
<institution>Provincial Disaster Management Authority</institution>, <city>Peshawar</city>, <state>Khyber Pakhtunkhwa</state>, <country country="PK">Pakistan</country>
</aff>
<aff id="aff2">
<label>2</label>
<institution>Center for Disaster Preparedness and Management, University of Peshawar</institution>, <city>Peshawar</city>, <state>Khyber Pakhtunkhwa</state>, <country country="PK">Pakistan</country>
</aff>
<aff id="aff3">
<label>3</label>
<institution>Research &#x26; Innovation Division, Rabdan Academy</institution>, <city>Abu Dhabi</city>, <country country="AE">United Arab Emirates</country>
</aff>
<aff id="aff4">
<label>4</label>
<institution>Defense and Security, Rabdan Academy</institution>, <city>Abu Dhab</city>, <country country="AE">United Arab Emirates</country>
</aff>
<aff id="aff5">
<label>5</label>
<institution>National Disaster Management Authority</institution>, <city>Islamabad</city>, <country country="PK">Pakistan</country>
</aff>
<aff id="aff6">
<label>6</label>
<institution>Hamad Bin Khalifa University</institution>, <city>Doha</city>, <country country="QA">Qatar</country>
</aff>
<author-notes>
<corresp id="c001">
<label>&#x2a;</label>Correspondence: Khadija Farhan Alhumaid, <email xlink:href="mailto:kalhumaid@ra.ac.ae">kalhumaid@ra.ac.ae</email>
</corresp>
</author-notes>
<pub-date publication-format="electronic" date-type="pub" iso-8601-date="2026-02-16">
<day>16</day>
<month>02</month>
<year>2026</year>
</pub-date>
<pub-date publication-format="electronic" date-type="collection">
<year>2026</year>
</pub-date>
<volume>14</volume>
<elocation-id>1742357</elocation-id>
<history>
<date date-type="received">
<day>08</day>
<month>11</month>
<year>2025</year>
</date>
<date date-type="rev-recd">
<day>11</day>
<month>01</month>
<year>2026</year>
</date>
<date date-type="accepted">
<day>14</day>
<month>01</month>
<year>2026</year>
</date>
</history>
<permissions>
<copyright-statement>Copyright &#xa9; 2026 Imran, Ali, Alhumaid, Ullah, Khan and Ullah.</copyright-statement>
<copyright-year>2026</copyright-year>
<copyright-holder>Imran, Ali, Alhumaid, Ullah, Khan and Ullah</copyright-holder>
<license>
<ali:license_ref start_date="2026-02-16">https://creativecommons.org/licenses/by/4.0/</ali:license_ref>
<license-p>This is an open-access article distributed under the terms of the <ext-link ext-link-type="uri" xlink:href="https://creativecommons.org/licenses/by/4.0/">Creative Commons Attribution License (CC BY)</ext-link>. The use, distribution or reproduction in other forums is permitted, provided the original author(s) and the copyright owner(s) are credited and that the original publication in this journal is cited, in accordance with accepted academic practice. No use, distribution or reproduction is permitted which does not comply with these terms.</license-p>
</license>
</permissions>
<abstract>
<p>Floods occurring 12&#xa0;years apart, in 2010 and 2022, accounted for 50% of the total monetary damage in Pakistan, yet comparative assessments continue to rely primarily on aggregate damage statistics that obscure persistent vulnerabilities and human-development impacts. This study conducts a dual comparative analysis of the multisectoral flood damages from the 2010 and 2022 events in Khyber Pakhtunkhwa province, Pakistan, to evaluate whether post-2010 disaster governance reforms translated into meaningful resilience gains. First, based on commonly affected severe districts, sectoral damage data for 2010 and 2022 for districts are harmonized to a common administrative geography and normalized to enable like-for-like comparison despite boundary changes and scale differences. Spatial-sectoral overlap in flood impacts was then quantified using the Jaccard Similarity Index, selected to identify persistent versus shifting vulnerability patterns across districts and sectors. Second, the Noy-lifeyears framework was applied to translate mortality, affected population, and economic damage into a human-centric measure of lifeyears lost. Jaccard analysis revealed limited degrees of similarity in the impacts of the two floods in 2010 and 2022 (mean Jaccard Index &#x2248;0.30), suggesting that vulnerability has not simply repeated but redistributed across the province. Despite lower structural damage in several sectors in 2022, the Noy-lifeyears framework indicates that the 2022 floods resulted in greater human development losses than the 2010 floods, with total lifeyears lost approximately 4.6 percent higher. This reconciles the apparent paradox of the 2022 floods being structurally less severe yet socially more damaging. The findings demonstrate a critical resilience gap between infrastructure protection and human wellbeing. The study advances comparative disaster assessment beyond conventional loss accounting and provides evidence to support people-centered flood risk governance.</p>
</abstract>
<kwd-group>
<kwd>floods 2010</kwd>
<kwd>floods 2022</kwd>
<kwd>Jaccard similarity index</kwd>
<kwd>khyber pakhtunkhwa</kwd>
<kwd>Noy-lifeyears framework</kwd>
<kwd>Pakistan</kwd>
</kwd-group>
<funding-group>
<funding-statement>The author(s) declared that financial support was received for this work and/or its publication. The authors also acknowledge Rabdan Academy, UAE, for article processing charges (APC).</funding-statement>
</funding-group>
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<fig-count count="8"/>
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<ref-count count="52"/>
<page-count count="17"/>
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<meta-name>section-at-acceptance</meta-name>
<meta-value>Environmental Policy and Governance</meta-value>
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</front>
<body>
<sec sec-type="intro" id="s1">
<label>1</label>
<title>Introduction</title>
<p>Floods are not solely the result of hydrometeorological processes but are also influenced by anthropogenic activities, including land-use change, governance structures and socio-economic conditions (<xref ref-type="bibr" rid="B6">Awah et al., 2024</xref>; <xref ref-type="bibr" rid="B29">McNicoll et al., 1996</xref>). The impacts of floods therefore, reflect not only hazard intensity but also the effectiveness of institutional arrangements and development pathways in reducing vulnerability (<xref ref-type="bibr" rid="B21">Khan et al., 2022</xref>). In regions characterized by complex governance systems and limited enforcement capacity, recurrent flood damage often exposes persistent structural and social weaknesses that conventional loss metrics fail to capture (<xref ref-type="bibr" rid="B17">Ibrahim et al., 2024</xref>; <xref ref-type="bibr" rid="B25">Leiss et al., 1994</xref>; <xref ref-type="bibr" rid="B27">Makki et al., 2025</xref>). Traditional flood impact assessments rely heavily on aggregate indicators such as total economic losses, infrastructure damage, or mortality counts (<xref ref-type="bibr" rid="B22">Khan et al., 2024</xref>; <xref ref-type="bibr" rid="B24">Klasa et al., 2025</xref>). While these measures are essential for emergency response and reconstruction planning, they provide limited insight into whether vulnerability persists in the same locations over time or whether post-disaster reforms translate into improved human wellbeing. That&#x2019;s why the Sendai Framework Priority 1 (Understanding Disaster Risk) calls for continuously updating baselines (<xref ref-type="bibr" rid="B48">UNDRR, 2015</xref>). Building on this approach, the United Nations Disaster Risk Reduction (UNDRR) agency emphasizes to focus on identifying solutions through issue analysis, thereby facilitating societal change (<xref ref-type="bibr" rid="B9">Eberle et al., 2025</xref>). This analytical perspective is relevant in underdeveloped and developing countries, particularly in the context of Pakistan.</p>
<p>Pakistan offers a salient example of these challenges. Owing to the complex geographic and climatic conditions, Pakistan frequently experiences flooding. Since gaining independence in 1947, Pakistan has experienced 30 major floods (<xref ref-type="bibr" rid="B16">Hussain et al., 2025</xref>; <xref ref-type="bibr" rid="B22">Khan et al., 2024</xref>; <xref ref-type="bibr" rid="B41">Rahman et al., 2025</xref>; <xref ref-type="bibr" rid="B43">Rebi et al., 2023</xref>; <xref ref-type="bibr" rid="B46">Tayyab et al., 2024</xref>; <xref ref-type="bibr" rid="B47">Ullah et al., 2021</xref>), with the floods of 2010 and 2022 alone accounting for a combined damage of US$40.06 billion, representing 59% of the total damage from all 30 major floods (<xref ref-type="bibr" rid="B10">FFC, 2023</xref>). Pakistan has introduced significant institutional reforms, including the enactment of the National Disaster Management Act and the expansion of disaster management authorities at the federal and provincial levels. The occurrence of another large-scale flood in 2022, therefore, provides a critical opportunity to examine whether these reforms altered patterns of sectoral vulnerability and reduced the human-development burden of flooding.</p>
<p>Numerous researchers have undertaken comparative analyses of these two flood disasters or have examined the effects of one of these events from various perspectives. Existing studies on the 2010 and 2022, floods have contributed valuable insights into flood extent, exposure, meteorological drivers, and sector-specific impacts. However, much of this literature examines the two events independently, focuses on selected districts, or relies on single-metric approaches that obscure longitudinal patterns of vulnerability (<xref ref-type="bibr" rid="B8">Doan and Noy, 2021</xref>; <xref ref-type="bibr" rid="B19">Iqbal et al., 2024</xref>; <xref ref-type="bibr" rid="B23">Khanam et al., 2023</xref>; <xref ref-type="bibr" rid="B33">Nanditha et al., 2023</xref>; <xref ref-type="bibr" rid="B40">Qamer et al., 2023</xref>; <xref ref-type="bibr" rid="B44">Sharma and Saharia, 2025</xref>; <xref ref-type="bibr" rid="B49">Waseem and Rana, 2023</xref>; <xref ref-type="bibr" rid="B50">Yaseen et al., 2023</xref>; <xref ref-type="bibr" rid="B51">Zaidi and Memon, 2023</xref>). Comparative analyses rarely interrogate whether the same districts and sectors repeatedly absorb damage across successive floods, nor do they adequately capture the broader human consequences of disruption beyond direct physical losses.</p>
<p>To address these gaps, this study adopts a longitudinal, sub-national perspective grounded in disaster risk governance and human development considerations. KP provides a particularly informative case due to its complex hydrological setting, rapid population growth, and evolving disaster governance architecture. Methodologically, the study employs a dual-metric framework to compare the impacts of the 2010 and 2022 floods in KP, Pakistan. First, district-level sectoral damage data were harmonized across changing administrative boundaries and compared for costs and numbers. The data is then normalized to enable like-for-like comparison. A generalized Jaccard Similarity Index is then used to quantify spatial&#x2013;sectoral overlap in damage patterns, allowing identification of persistent versus shifting vulnerability across districts and sectors. Second, the Noy-lifeyears framework is applied to translate mortality, affected population, and economic damage into a human-centric measure of life-years lost, thereby capturing dimensions of impact not reflected in conventional loss statistics.</p>
<p>Concurrent analysis using the JI and Noy-lifeyears framework, correlating these indices and providing in-depth insights into the results, represents a novel application. It is worth mentioning that detailed data on sectoral damage in each district, sourced from government archives with considerable effort, are not readily available in the existing literature. The recurrence of a significant flood in 2022, 12&#xa0;years after a previous major event, necessitates a comprehensive review of the patterns of socio-economic damage (<xref ref-type="bibr" rid="B40">Qamer et al., 2023</xref>) and the enhancement of resilience strategies, particularly following the implementation of the National Disaster Management Act in 2010. Given this context, the study examines whether:<list list-type="roman-lower">
<list-item>
<p>To what extent do the spatial patterns of sectoral flood damage in KP overlap between the 2010 and 2022 floods after harmonizing districts and normalizing sectoral losses?</p>
</list-item>
<list-item>
<p>Did post-2010 disaster governance reforms lead to reduced sectoral vulnerability (evidenced by lower Jaccard similarity) and improved human outcomes (evidenced by lower lifeyears lost)?</p>
</list-item>
</list>
</p>
<p>The concept of &#x201c;human-centric losses&#x201d; pertains to the effects on human life and wellbeing, quantified in terms of life years lost, which encompasses mortality, injury, and disruptions to livelihoods. In contrast, &#x201c;structural damage&#x201d; pertains to physical infrastructure and economic loss. By addressing these issues, it is aimed to examine both the human and material aspects of disaster impact.</p>
</sec>
<sec id="s2">
<label>2</label>
<title>Study area</title>
<p>Pakistan is in South Asia and comprises four provinces: Punjab, Sindh, KP, and Balochistan, along with two additional administrative regions: Gilgit Baltistan and Azad Jammu and Kashmir. This study focuses on the KP province, which is located in the northwestern region of Pakistan. It shares borders with Afghanistan to the west, Gilgit-Baltistan to the north, Azad Kashmir to the northeast, and the provinces of Punjab and Balochistan to the south and southeast. The province covers an area of 101,741&#xa0;km<sup>2</sup>, with a population of 40,856,097 and 5,883,007 households (<xref ref-type="bibr" rid="B36">PBS, 2023</xref>). KP is geographically positioned between 31&#xb0;24&#x2032; and 36&#xb0;92&#x2032; North latitude and 70&#xb0;07&#x2032; and 74&#xb0;14&#x2032; East longitude.</p>
<p>KP demonstrates significant climatic, geological, and ecological diversity, which influences flood patterns. Climatically, the province encompasses a range from humid subtropical lowlands to cold alpine regions in the north, with precipitation patterns affected by the South Asian summer monsoon and mid-latitude westerly disturbances (<xref ref-type="bibr" rid="B3">Archer and Fowler, 2008</xref>). Orographic effects over the Hindu Kush&#x2013;Karakoram ranges intensify extreme rainfall, whereas rising temperatures contribute to accelerated snow and glacier melt, thereby increasing monsoon runoff (<xref ref-type="bibr" rid="B15">Hewitt, 2011</xref>; <xref ref-type="bibr" rid="B18">Immerzeel et al., 2010</xref>). Geologically, it is characterized by steep slopes, fractured sedimentary and metamorphic formations, and erosion-prone soils, which facilitate rapid runoff and sediment-laden flooding (<xref ref-type="bibr" rid="B5">Rahman et al., 2011</xref>). To the north of KP, the collision boundary exists between the Indian Plate and the Eurasian Plate, which often results in earthquakes. Vegetation ranges from dense coniferous forests to sparse scrub and agricultural land, and deforestation and the expansion of built-up areas along rivers have diminished infiltration and increased runoff (<xref ref-type="bibr" rid="B47">Ullah et al., 2021</xref>). These climatic and biophysical characteristics interact with human settlement patterns to shape flood hazards and impacts across the province.</p>
<p>The Indus River serves as the main hydrological artery of the province and is supplemented by main tributaries, such as the Swat, Kabul and Panjkora Rivers. Seasonal snowmelt from HKH glaciers further influences hydrology in these rivers and their tributaries (<xref ref-type="bibr" rid="B32">Mukhopadhyay and Khan, 2015</xref>). KP, straddling the headwaters of both the Indus and Kabul rivers, acts as a hydraulic gateway; steep mountain catchments amplify runoff and compress warning times (<xref ref-type="bibr" rid="B1">Adnan et al., 2022</xref>), while rapid population growth has pushed settlements into historical floodplains repeatedly reclaimed by water (<xref ref-type="bibr" rid="B48">Ullah et al., 2025</xref>), notably in 1950, 1976, 1992, 2010, and 2022 (<xref ref-type="bibr" rid="B4">Rahman and Khan, 2013</xref>). The 2010 floods were triggered by record monsoon rains in late July, causing severe flash floods and major riverine floods. The 2022 floods were geographically widespread, compounded by glacier melts and caused by unprecedented rainfall spanning 4&#xa0;months (<xref ref-type="bibr" rid="B19">Iqbal et al., 2024</xref>; <xref ref-type="bibr" rid="B33">Nanditha et al., 2023</xref>). In 2022, there was a wide variation in flood types, including glacial lake outburst floods (GLOF), flash floods, urban floods, and riverine floods across the province.</p>
<p>Politically, Pakistan functions as a federation comprising four provinces and two administrative regions. The parliamentary system is bicameral, comprising a National Assembly and a Senate. Each province is administered by a Chief Minister, who is supported by a cabinet and supervised by the provincial assembly. Peshawar is the capital of the KP and the province is divided into geographic units called divisions and districts for administrative ease (<xref ref-type="fig" rid="F1">Figure 1</xref>).</p>
<fig id="F1" position="float">
<label>FIGURE 1</label>
<caption>
<p>Topographic map showing districts of Khyber Pakhtunkhwa (KP) Province, Pakistan.</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g001.tif">
<alt-text content-type="machine-generated">Map of Khyber Pakhtunkhwa in Pakistan, showing district boundaries in red. A marked inset locates the region within South Asia, neighboring countries include Iran and India. A scale bar and compass are present.</alt-text>
</graphic>
</fig>
<p>The division consists of a few districts, which are in turn composed of a few tehsils (<xref ref-type="bibr" rid="B2">Ali and Rasool, 2022</xref>). Furthermore, the provincial governance is also organized into departments, each with distinct functions, authority, and legal jurisdiction. The functions in departments and districts are also tied, functionally and administratively, horizontally, and vertically, with the federal government and within the provincial government, considering the constitution, rules, and regulations. In 2010, there were 24 districts in KP. By 2022, the number of districts in KP increased to 35. Our analysis considers these changes in administrative boundaries and the extent of the flooding. For further details, see <xref ref-type="sec" rid="s12">Supplementary Appendix 1</xref>. The extent of flooding is shown in <xref ref-type="fig" rid="F2">Figure 2</xref>.</p>
<fig id="F2" position="float">
<label>FIGURE 2</label>
<caption>
<p>Flood extents in 2010 and 2022 Source (<xref ref-type="bibr" rid="B51">Zaidi and Memon, 2023</xref>).</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g002.tif">
<alt-text content-type="machine-generated">Maps showing flood water extent in Pakistan for 2010 and 2022 side by side. The 2010 map highlights flood regions primarily in Punjab and Sindh, while the 2022 map indicates expanded flooding in Balochistan, Sindh, and Punjab. Legends show flood extent colors, rivers, province boundaries, and control lines. Data sources include Sentinel-1 SAR, MODIS, and P&#x26;D KP.</alt-text>
</graphic>
</fig>
</sec>
<sec id="s3">
<label>3</label>
<title>Dataset and methods</title>
<sec id="s3-1">
<label>3.1</label>
<title>Data</title>
<p>The overall human impact, damage and spatial sectoral data were collected for the 2010 and 2022 floods. This data were compiled from official Post-Disaster Needs Assessments (PDNA), federal and provincial government records and non-governmental reports and data repositories. The details on data sources and data collection methodology for the PDNA process can be viewed in <xref ref-type="sec" rid="s12">Supplementary Appendix 2</xref>. This process collected statistics for overall impacts, including populations and areas affected by floods, major economic indicators, and sectoral damage across various domains, such as housing, health, education, water supply and sanitation, agriculture, irrigation and flood management, roads and bridges, industry and commerce, governance infrastructure, and other infrastructure at the national and provincial levels. The data encompassed the primary monsoon flooding periods from mid-June to mid-September in 2010 and 2022, corresponding to each disaster. For this study, monetary values are mainly expressed in Pakistani Rupees (PKR) but also in US Dollars (US $) whenever required by the methodology for comparison reported for each respective event year. The prevalent exchange rates for US $ in the year were used, mentioned in the PDNA reports.</p>
<p>The data were meticulously organized and harmonized by ensuring uniform sector definitions from 2010 to 2022, where sub-sectoral items were aggregated to the nearest consistent sectoral category. The administrative units were aligned, such as adjusting 2010 data to match the district boundaries of 2022, where necessary. The details are given in <xref ref-type="sec" rid="s12">Supplementary Appendix 1</xref>. The assembled data were then utilized as inputs for general comparison and for the two analytical frameworks outlined below. <xref ref-type="fig" rid="F3">Figure 3</xref> presents a flow chart of the study design, depicting the data collection and analysis process.</p>
<fig id="F3" position="float">
<label>FIGURE 3</label>
<caption>
<p>Flow diagram of the methodology used in this study.</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g003.tif">
<alt-text content-type="machine-generated">Flowchart detailing a comparative methodology for analyzing the 2010 and 2022 floods. Three main paths include impact comparison, Jaccard similarity, and NOY life years. Each path involves data organization, sectoral analysis, and comparison, leading to discussion, analysis, and recommendations.</alt-text>
</graphic>
</fig>
</sec>
<sec id="s3-2">
<label>3.2</label>
<title>Data limitations</title>
<p>Utilizing secondary data from post-disaster reports presents certain limitations. Firstly, the damage figures from PDNAs are derived from rapid assessments and may lack field validation or ground truthing, potentially impacting their accuracy. Data collection methods and definitions might have varied between 2010 and 2022, leading to standardization challenges. This is mitigated by aligning sector categories and, where possible, cross-referencing figures with multiple sources (e.g., comparing NDMA and PDMA reports) to ensure consistency. No primary field surveys were conducted; instead, it relies on the best available official data, which, while comprehensive, may contain inconsistencies or reporting biases. Secondly, monetary damage estimates are nominal and were not uniformly adjusted for inflation or changes in asset values over the 12-year span. This lack of normalization can distort direct financial comparisons across years. For instance, the value of infrastructure in 2022 was higher due to inflation and development, so a rupee of damage in 2010 represents a larger real loss than a rupee in 2022. In this study, monetary figures are reported in nominal terms as documented in official assessments; however, predominantly cross-year analytical comparisons rely on normalized patterns and human-centric metrics rather than absolute monetary values, to minimize inflation-related bias. In this way, the limitation is addressed. Thirdly, differences in the number of districts and the spatial extent of flooding between the two events introduce a comparison bias. The 2010 flood affected a province of 24 districts, reported to be ten by PDMA in 2012, whereas KP had 35 districts by 2022, of which only 17 were declared calamity-hit. The analysis is restricted to the 11 undivided districts present in 2010, common to both events, to ensure a like-for-like comparison and discuss the implications of the differing flood footprints in our analysis. Lastly, intangible and long-term impacts (e.g., mental health issues, environmental degradation) are not captured in these datasets. The lifeyears framework partially addresses human impacts, but intangible losses remain outside the quantitative scope and are acknowledged qualitatively. Being transparent about these limitations enhances the credibility of the findings and clarifies that results should be interpreted with these considerations in mind. These limitations also highlight areas for future research, such as incorporating primary data collection and broadening impact metrics.</p>
</sec>
<sec id="s3-3">
<label>3.3</label>
<title>Methods</title>
<p>To conduct a general comparison of the impacts in terms of monetary losses and quantity, this study employed JI and the Noy-lifeyears framework. These frameworks are elaborated in detail in the following subsections.</p>
<sec id="s3-3-1">
<label>3.3.1</label>
<title>General comparison and visualization</title>
<p>The principal impacts of the floods in 2010 and 2022 are synthesized and graphically compared to assess their similarities and draw conclusions. In this regard, the general national and provincial metrics of the flood damages on land, population, socio-economic indicators at the time, social disruptions caused by the floods as aftereffects, and the nominal monetary sectoral damages are compared and the results are analyzed. The sectoral damages are also analyzed for their contribution in the same year versus other sectors to visualize which sector is affected most in the specific year, which is the 2010 and 2022 floods event. These two are then compared across both events to see whether the same sector contributed more than the corresponding sector in the other flood event.</p>
</sec>
<sec id="s3-3-2">
<label>3.3.2</label>
<title>Jaccard similarity index (JI)</title>
<p>The JI, also known as the Jaccard Similarity Coefficient, is a widely employed technique for assessing the similarity between the attributes of two sets (<xref ref-type="bibr" rid="B7">Costa, 2021</xref>; <xref ref-type="bibr" rid="B13">Fletcher and Islam, 2018</xref>; <xref ref-type="bibr" rid="B42">Real and Vargas, 1996</xref>). This can be mathematically represented by the following equation:<disp-formula id="equ1">
<mml:math id="m1">
<mml:mrow>
<mml:mi mathvariant="normal">J</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi mathvariant="normal">A</mml:mi>
<mml:mo>,</mml:mo>
<mml:mi mathvariant="normal">B</mml:mi>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#x3d;</mml:mo>
<mml:mo>&#x2502;</mml:mo>
<mml:mi mathvariant="normal">A</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mi mathvariant="normal">&#x548;</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mi mathvariant="normal">B</mml:mi>
<mml:mo>&#x2502;</mml:mo>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mo>/</mml:mo>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mo>&#x2502;</mml:mo>
<mml:mi mathvariant="normal">A</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mi mathvariant="normal">&#x54d;</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mi mathvariant="normal">B</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mo>&#x2502;</mml:mo>
</mml:mrow>
</mml:math>
</disp-formula>Where J denotes the JI, A &#x3d; (x<sub>1</sub>, x<sub>2</sub>, x<sub>3</sub>, x<sub>4</sub>, x<sub>5</sub>&#x2026;) represents one set of sectoral damages from the 2010 floods, and B &#x3d; (x<sub>1</sub>, y<sub>1</sub>, y<sub>2</sub>, y<sub>3</sub>, x<sub>4</sub>&#x2026;) represents another set of sectoral damages from the 2022 floods. A &#x548; B gives the number of similar values in both sets, while A &#x54d; B denotes the total number of discrete values in both sets. The value of J is always between 0 and 1, such that 0 &#x3c; J (A, B) &#x3c; 1.</p>
<p>Subsequently, the raw sectoral variables, which represent the number of damages, both complete and partial, were normalized to a common scale ranging from 1 to 10 to mitigate extensive variations. This straightforward method is employed to facilitate an intuitive grading interpretation and to circumvent zero values. This transformation preserves the ordinal ranking of damage across districts, which is the essential information for the Jaccard similarity analysis of spatial patterns, while preventing zero-values from distorting the set overlap calculation. Consequently, a discrete and perceptible scale of comparison is achieved without compromising relative similarity. The following min-max normalization equation is used:<disp-formula id="equ2">
<mml:math id="m2">
<mml:mrow>
<mml:mi mathvariant="normal">V</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mtext>new</mml:mtext>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#x3d;</mml:mo>
<mml:mn>1</mml:mn>
<mml:mo>&#x2b;</mml:mo>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi mathvariant="normal">v</mml:mi>
<mml:mo>&#x2212;</mml:mo>
<mml:msub>
<mml:mi mathvariant="normal">v</mml:mi>
<mml:mi mathvariant="italic">Min</mml:mi>
</mml:msub>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mo>/</mml:mo>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:msub>
<mml:mi mathvariant="normal">v</mml:mi>
<mml:mi mathvariant="italic">Max</mml:mi>
</mml:msub>
<mml:mo>&#x2212;</mml:mo>
<mml:msub>
<mml:mi mathvariant="normal">v</mml:mi>
<mml:mi mathvariant="italic">Min</mml:mi>
</mml:msub>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#xd7;</mml:mo>
<mml:mn>9</mml:mn>
</mml:mrow>
</mml:math>
</disp-formula>Where v<sub>
<italic>Min</italic>
</sub> is the minimum value of the variable, and v<sub>
<italic>Max</italic>
</sub> is the maximum recorded value of the variable within the range.</p>
<p>The JI was calculated after normalizing the values. The Jaccard distance can also be calculated by subtracting one from the JI value (i.e., JI&#x2013;1).</p>
<p>A value closer to one indicates greater similarity, and <italic>vice versa</italic>. In this study, a value closer to 1 indicates the proportional similarity expunged of damage in the districts for a particular sector during both floods. This index offers insight into whether specific areas within a particular sector are quantitatively affected in a similar manner during both floods.</p>
<p>The scope of districts and sectors for the JI was delineated prior to engaging in the calculation. Consequently, 11 districts and nine sectors were identified for the analysis using JI. For details on district harmonization, please see <xref ref-type="sec" rid="s12">Supplementary Appendix 1</xref>.</p>
<p>The JI results were interpreted and broadly categorized further to assess similarities in sectoral and geographic impacts. For instance, JI &#x3d; 0 denotes no similarity, JI &#x3d; 0.2&#x2013;0.4 denotes less similarity, JI &#x3d; 0.4&#x2013;0.6 denotes moderate similarity, and JI &#x3d; &#x2265;0.6 denotes high similarity. These categories facilitate the conversion of numerical JI values into qualitative evaluations of the persistence of vulnerability.</p>
<p>Although the Jaccard Index is traditionally defined for binary sets, the generalized formulation can be applied to non-negative continuous data to assess overlap in normalized impact distributions. In this study, Jaccard similarity is used to identify spatial&#x2013;sectoral persistence of flood impacts rather than proportional association. Unlike correlation or cosine similarity, which may remain high even when damage hotspots shift geographically, the generalized Jaccard Index penalizes redistribution of impacts across districts, making it particularly suited to distinguishing persistent from shifting vulnerability across successive flood events.</p>
<p>However, the JI has its limitations. It does not account for differences in the absolute magnitudes of loss, only the relative distribution of damage. For instance, two sectors might exhibit a high JI if the same districts are most affected in both events, even if the losses in one event were significantly larger. This limitation is addressed by interpreting JI results in conjunction with actual damage values (<xref ref-type="sec" rid="s4-3">Section 4.3</xref>). Moreover, the potential bias in the JI analysis concerning the extent of floods in districts is mitigated by limiting the number of comparable districts and the geographic scope in both flood events; however, it is not entirely eliminated. Consequently, the study should be interpreted with this consideration, particularly acknowledging the broader scope of the 2022 floods. For instance, a low similarity in a sector may partly result from the 2022 flood extending into new regions, rather than solely from the failure of mitigation efforts in previously affected areas.</p>
</sec>
<sec id="s3-3-3">
<label>3.3.3</label>
<title>Noy-lifeyears framework</title>
<p>The Noy-lifeyears index, introduced by Ilan Noy (<xref ref-type="bibr" rid="B34">Noy, 2015</xref>), serves as a tool for assessing the severity of disasters by integrating various metrics into a single equation that quantifies human loss in terms of lifeyears lost, a unit defined for the framework, and is equated to the effort exerted by a human in a full year, provided there is normalcy. This approach provides a standardized unit for evaluating and comparing the impact of diverse disasters across different global regions, without being affected by specific contextual factors.</p>
<p>Noy proposed the following equation, which comprises three components:<disp-formula id="equ3">
<mml:math id="m3">
<mml:mrow>
<mml:mi>L</mml:mi>
<mml:mi>i</mml:mi>
<mml:mi>f</mml:mi>
<mml:mi>e</mml:mi>
<mml:mi>y</mml:mi>
<mml:mi>e</mml:mi>
<mml:mi>a</mml:mi>
<mml:mi>r</mml:mi>
<mml:mi>s</mml:mi>
<mml:mo>&#x3d;</mml:mo>
<mml:mi>L</mml:mi>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi>M</mml:mi>
<mml:mo>,</mml:mo>
<mml:msup>
<mml:mi>A</mml:mi>
<mml:mrow>
<mml:mi>d</mml:mi>
<mml:mi>e</mml:mi>
<mml:mi>a</mml:mi>
<mml:mi>t</mml:mi>
<mml:mi>h</mml:mi>
</mml:mrow>
</mml:msup>
<mml:mo>,</mml:mo>
<mml:msup>
<mml:mi>A</mml:mi>
<mml:mi mathvariant="italic">exp</mml:mi>
</mml:msup>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#x2b;</mml:mo>
<mml:mi mathvariant="normal">I</mml:mi>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi>N</mml:mi>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#x2b;</mml:mo>
<mml:mtext>DAM</mml:mtext>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi>Y</mml:mi>
<mml:mo>,</mml:mo>
<mml:mi>P</mml:mi>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
</mml:mrow>
</mml:math>
</disp-formula>
</p>
<p>L (<italic>M</italic>, <italic>A</italic>
<sup>death</sup>, <italic>A</italic>
<sup>
<italic>exp</italic>
</sup>) is the number of life years lost due to deaths in a disaster. It is calculated by using the equation:<disp-formula id="equ4">
<mml:math id="m4">
<mml:mrow>
<mml:mi>L</mml:mi>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi>M</mml:mi>
<mml:mo>,</mml:mo>
<mml:msup>
<mml:mi>A</mml:mi>
<mml:mrow>
<mml:mi>d</mml:mi>
<mml:mi>e</mml:mi>
<mml:mi>a</mml:mi>
<mml:mi>t</mml:mi>
<mml:mi>h</mml:mi>
</mml:mrow>
</mml:msup>
<mml:mo>,</mml:mo>
<mml:msup>
<mml:mi>A</mml:mi>
<mml:mi mathvariant="italic">exp</mml:mi>
</mml:msup>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#x3d;</mml:mo>
<mml:mi>M</mml:mi>
<mml:mo>&#x2a;</mml:mo>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:msup>
<mml:mi>A</mml:mi>
<mml:mi mathvariant="italic">exp</mml:mi>
</mml:msup>
<mml:mo>&#x2212;</mml:mo>
<mml:msup>
<mml:mi>A</mml:mi>
<mml:mrow>
<mml:mi>m</mml:mi>
<mml:mi>e</mml:mi>
<mml:mi>d</mml:mi>
</mml:mrow>
</mml:msup>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
</mml:mrow>
</mml:math>
</disp-formula>Where <italic>M</italic> is the total number of fatalities during a disaster. (<italic>A</italic>
<sup>
<italic>exp</italic>
</sup>&#x2013;<italic>A</italic>
<sup>death</sup>) represents the years cut short due to fatality in the disaster. <italic>A</italic>
<sup>death</sup> is the median age of death, calculated by determining the median age of all individuals who perished in the disaster. As this data is unavailable for both disasters, an alternative method, also employed by Noy himself, will be utilized, which is <italic>A</italic>
<sup>death &#x3d;</sup>
<italic>A</italic>
<sup>med</sup>, the median age of the population of the country, Pakistan. <italic>A</italic>
<sup>
<italic>exp</italic>
</sup> is the life expectancy of the population.</p>
<p>
<italic>I</italic> (<italic>N</italic>) is the cost function that represents the cost of care and rehabilitation of people injured or impacted, i.e., human impact and resultantly life years lost due to it. It is calculated by the equation:<disp-formula id="equ5">
<mml:math id="m5">
<mml:mrow>
<mml:mi>I</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi>N</mml:mi>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#x3d;</mml:mo>
<mml:mi>e</mml:mi>
<mml:mo>&#x2a;</mml:mo>
<mml:mi>T</mml:mi>
<mml:mo>&#x2a;</mml:mo>
<mml:mi>N</mml:mi>
</mml:mrow>
</mml:math>
</disp-formula>where <italic>e</italic> is the coefficient, which is the &#x2018;welfare-reduction weight&#x2019;, as employed by Noy himself (<xref ref-type="bibr" rid="B8">Doan and Noy, 2021</xref>; <xref ref-type="bibr" rid="B34">Noy, 2015</xref>), while <italic>T</italic> is the time taken for the population to return to normality and <italic>N</italic> is the information related to the human impact, that is, the number of people affected.</p>
<p>Moreover, <italic>DA</italic>(<italic>Y</italic>,<italic>P</italic>) attempts to account for the number of human years lost because of the damage to infrastructure and settlements, which may be called human effort for reconstruction. It is calculated using the equation:<disp-formula id="equ6">
<mml:math id="m6">
<mml:mrow>
<mml:mi>D</mml:mi>
<mml:mi>A</mml:mi>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mi>Y</mml:mi>
<mml:mo>,</mml:mo>
<mml:mi>P</mml:mi>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mo>&#x3d;</mml:mo>
<mml:mrow>
<mml:mfenced open="(" close=")" separators="|">
<mml:mrow>
<mml:mn>1</mml:mn>
<mml:mo>&#x2212;</mml:mo>
<mml:mi>c</mml:mi>
</mml:mrow>
</mml:mfenced>
</mml:mrow>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mo>&#x2a;</mml:mo>
<mml:mi>Y</mml:mi>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mo>/</mml:mo>
<mml:mtext>&#x2009;</mml:mtext>
<mml:mi>P</mml:mi>
<mml:mi>C</mml:mi>
<mml:mi>G</mml:mi>
<mml:mi>D</mml:mi>
<mml:mi>P</mml:mi>
</mml:mrow>
</mml:math>
</disp-formula>
</p>
<p>The losses are scaled by <italic>Y</italic> and <italic>P</italic>. The variable <italic>Y</italic> is the amount of financial damage and includes the value of the destroyed or damaged capital, rather than the cost of replacement. <italic>P</italic> is Per capita GDP (<italic>PCGDP</italic>), which proxies for human efforts in a full year. <italic>PCGDP</italic> is the monetary amount required for a full year of human effort <italic>per capita</italic> GDP for a year. The discount rate c is associated with the value of time not spent in work-related activities (alternatively, it aims to measure how much higher GDP would have been had everyone worked all the time). These concepts are hypothetical, and thus, determining an evidence-based value is impossible. <ext-link ext-link-type="uri" xlink:href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8652480/">Noy assumes an ad hoc value for the discounting rate: c is 75 percent.</ext-link>
</p>
<p>By aggregating these components, the lifeyears index produces a singular metric for each event, the total lifeyears lost, thereby enabling a direct comparison of the overall human impact, which extends beyond the implications of monetary loss alone. The results from both indices are compared to assess whether they align with each other or to provide insights into the comprehensive understanding developed as a consequence.</p>
<p>Due to its human-centric focus, the Noy Life Years Index is employed in this study to address the limitations inherent in traditional damage assessments. Conventional monetary representations of material damage fail to capture the long-term social impacts. In contrast, the Noy Index integrates mortality, health, and economic dimensions into a singular measure of developmental impact. This approach aligns with the study&#x2019;s objective of evaluating the effects of floods on social wellbeing and comparing them with the results of physical damage. Consequently, floods are assessed not in terms of cost but in terms of their most significant impacts, which is how much they hurt, a critical distinction for informing resilient recovery strategies.</p>
<p>The Index possesses some inherent limitations, such as the selection of parameters like <italic>e, T</italic>, and <italic>c</italic>, which are derived from prior studies and involve a degree of subjectivity and assumptions within this framework. These parameters directly influence the <italic>I(N)</italic> component of the three-part equation, implying that the estimated lifeyears outcomes, and therefore the key findings, are particularly sensitive to the chosen values of <italic>e</italic>, <italic>T</italic> and <italic>c</italic>. Nevertheless, the Noy-lifeyears index offers a valuable, human-centered perspective that complements the JI&#x2019;s structural pattern analysis, aligning with our objective to transcend traditional metrics.</p>
</sec>
</sec>
</sec>
<sec sec-type="results|discussion" id="s4">
<label>4</label>
<title>Results and discussions</title>
<p>At several points, the 2022 floods are described as being structurally &#x201c;less severe&#x201d; yet socially &#x201c;more damaging&#x201d; than the 2010 event. This distinction is not contradictory but reflects the use of different impact metrics. Structural severity refers to physical indicators such as inundation extent and sectoral damage patterns, which show reduced or redistributed impacts in 2022. In contrast, damage in human-development terms captures broader social disruption, including population affected, service interruption, and livelihood loss, summarized through lifeyears lost. Under conditions of extensive exposure and population density, a flood can therefore generate lower physical losses while imposing a higher human-development burden.</p>
<p>This paradox is partly explained by sectoral prioritization in post-disaster policy responses. Physical infrastructure, such as roads, bridges, and flood defenses, often receives greater political and financial attention due to its visibility and immediate economic signaling, whereas long-term social infrastructure, particularly housing, sanitation, health, and education, tends to receive comparatively less sustained investment. Although failures in social infrastructure may be less visible in conventional damage accounts, they generate deeper and longer-lasting human-development impacts, which are captured more effectively through lifeyears-based metrics.</p>
<sec id="s4-1">
<label>4.1</label>
<title>General and sectoral comparisons</title>
<p>In nominal terms, the total financial impact of the 2022 floods amounted to Rs. 201.00 billion, representing a 100% increase compared to the 2010 floods, which incurred damages of Rs. 99.63 billion. In 2010, the floods affected the national GDP by 5.8%, whereas in 2022, the impact was 4.8%. This suggests that the floods in 2010 were more damaging in nature.</p>
<p>At the national level, the GDP growth rate remained constant in the year following the 2010 floods, showing no change in growth rate. However, after the 2022 floods, the GDP growth rate from &#x2b;6.2% became &#x2212;0.2% in the subsequent year, indicating a decline in the growth rate of &#x2212;6.4%. This also led to a significant increase in the consumer price index (CPI) inflation. The inflation rate in the subsequent year surged by &#x2b;11.9% after the 2022 floods, in contrast to a decrease of &#x2212;2.7% after the 2010 floods. This indicates that the 2022 floods impacted an already vulnerable economy characterized by high inflation, thereby exacerbating macroeconomic pressures. An increased proportion of the population was pushed below the poverty line in both floods. It was estimated that in 2022, 5.9% more people were pushed below the poverty line compared to 2.2% in 2010 (<xref ref-type="bibr" rid="B30">MoPDSI, 2010</xref>; <xref ref-type="bibr" rid="B31">MoPDSI, 2022</xref>). In the case of KP, the 2022 flood was anticipated to increase multidimensional poverty by up to 13 percentage points in the affected areas, suggesting that a significant portion of the rise in poverty can be directly attributed to the impacts of the disaster. The more pronounced impact of poverty in 2022 corresponds with the floods&#x2019; extensive geographic reach and the pre-existing economic vulnerabilities, such as high inflation, prevalent during that period.</p>
<p>The 2022 floods affected 4.35 million individuals, in contrast to the 3.8 million affected in 2010, indicating a 14% increase in absolute number. The proportion of the displaced population relative to the total affected population decreased by 26% in 2022. The inundated area decreased from 5034.76 sq. km in 2010 to 3982.46 sq. km in 2022, reflecting a 21% reduction, with only 31% of houses damaged in 2022 when compared to the number of houses damaged in 2010 (91,767/2022 &#x2192; 295,684/2010). Although the effect on the population in 2022 floods is more than that in floods 2010, the reduction in displacement can be attributed to lesser inundations, indicating that many affected individuals did not relocate. The total cost of damage to the housing sector was 28% higher in 2022, although comparatively lesser numbers were damaged, indicating an escalating disaster cost in this sector. This observation aligns with the global trend of increasing costs per unit of damage.</p>
<p>The fatalities and injuries were less severe in the 2022 floods, with 419 injuries compared to 1,196, and 1,156 fatalities compared to 1,739 in 2010. The 2022 floods had a substantial financial impact on the KP; however, the severity was comparatively less than that in other provinces of the country. In 2022, other provinces like Sindh and Balochistan received more damage. The damage cost for KP constituted only 4.70% of the national damage cost in 2022, whereas it was 12% of the national cost in 2010. Comparison of major damages in terms of proportional percentage is provided in <xref ref-type="table" rid="T1">Table 1</xref> and <xref ref-type="fig" rid="F4">Figure 4</xref>.</p>
<table-wrap id="T1" position="float">
<label>TABLE 1</label>
<caption>
<p>Comparison of major impacts and proportional percentage of total combined damage of the 2010 and 2022 floods in KP, Pakistan.</p>
</caption>
<table>
<thead valign="top">
<tr>
<th rowspan="2" colspan="2" align="left">Impact</th>
<th colspan="3" align="center">Floods 2010</th>
<th colspan="3" align="center">Floods 2022</th>
</tr>
<tr>
<th align="left">Pakistan</th>
<th align="left">KP</th>
<th align="left">Floods 2010 (%)</th>
<th align="left">Pakistan</th>
<th align="left">KP</th>
<th align="left">Floods 2022 (%)</th>
</tr>
</thead>
<tbody valign="top">
<tr>
<td colspan="2" align="left">Damage impact on GDP (%)</td>
<td align="left">5.8</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
<td align="left">4.8</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
</tr>
<tr>
<td colspan="2" align="left">Population affected (millions)</td>
<td align="left">20.185</td>
<td align="left">3.8</td>
<td align="left">46.63</td>
<td align="left">33.046</td>
<td align="left">4.35</td>
<td align="left">53.37</td>
</tr>
<tr>
<td colspan="2" align="left">Population displaced (millions)</td>
<td align="left">20.6</td>
<td align="left">0.915</td>
<td align="left">57.58</td>
<td align="left">7.9</td>
<td align="left">0.674</td>
<td align="left">42.42</td>
</tr>
<tr>
<td colspan="2" align="left">Flooded area (sq. Km)</td>
<td align="left">160,000</td>
<td align="left">5,021.64</td>
<td align="left">55.77</td>
<td align="left">85,000</td>
<td align="left">3,982.46</td>
<td align="left">44.23</td>
</tr>
<tr>
<td colspan="2" align="left">Houses damaged (nos.)</td>
<td align="left">1,608,184</td>
<td align="left">295,684</td>
<td align="left">76.32</td>
<td align="left">2,288,481</td>
<td align="left">91,767</td>
<td align="left">23.68</td>
</tr>
<tr>
<td colspan="2" align="left">Lives lost (nos.)</td>
<td align="left">1,980</td>
<td align="left">1,156</td>
<td align="left">73.40</td>
<td align="left">1,739</td>
<td align="left">419</td>
<td align="left">26.60</td>
</tr>
<tr>
<td colspan="2" align="left">Injured (nos.)</td>
<td align="left">2,946</td>
<td align="left">1,198</td>
<td align="left">69.81</td>
<td align="left">12,867</td>
<td align="left">518</td>
<td align="left">30.19</td>
</tr>
<tr>
<td colspan="2" align="left">Damage fraction/Country (%)</td>
<td align="left">100%</td>
<td align="left">12%</td>
<td align="left">71.86</td>
<td align="left">100%</td>
<td align="left">4.70%</td>
<td align="left">28.14</td>
</tr>
<tr>
<td colspan="2" align="left">Districts affected (nos.)</td>
<td align="left">81</td>
<td align="left">24</td>
<td align="left">58.54</td>
<td align="left">94</td>
<td align="left">17</td>
<td align="left">41.46</td>
</tr>
<tr>
<td colspan="8" align="left">Impact on the economy (%) (-for decrease; &#x2b;for increase)</td>
</tr>
<tr>
<td align="left">a</td>
<td align="left">Growth in GDP in the subsequent year</td>
<td align="left">0</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
<td align="left">&#x2212;6.4</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
</tr>
<tr>
<td align="left">b</td>
<td align="left">CPI inflation</td>
<td align="left">&#x2212;2.7</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
<td align="left">11.9</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
</tr>
<tr>
<td align="left">C</td>
<td align="left">More people in poverty</td>
<td align="left">2.2</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
<td align="left">5.9</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
</tr>
</tbody>
</table>
</table-wrap>
<fig id="F4" position="float">
<label>FIGURE 4</label>
<caption>
<p>Proportional percentage of total combined damage in KP, Pakistan.</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g004.tif">
<alt-text content-type="machine-generated">Bar chart comparing the impact of 2010 and 2022 floods in terms of population affected, population displaced, flooded area, houses damaged, lives lost, injured, damage percentage, and country districts affected. Orange bars represent 2010 flood data, showing consistently higher percentages compared to gray bars for 2022. Dotted lines indicate trends across categories.</alt-text>
</graphic>
</fig>
<p>The province-wide nominal sectoral damage costs of the 2022 floods were compared with those of the 2010 floods, and comparative percentages were computed. This comparison reveals that not all sectors exhibit a comprehensive similar improvement. This is despite the lessons learned from the catastrophic 2010 floods and the implementation of a proactive regime during that year. Sectors, such as irrigation and flood management, roads and bridges, agriculture and livestock, the private sector and industries, governance, and environmental sectors, demonstrated lower damage costs and thus improved resilience. The most improved sectors were agriculture and livestock (&#x2212;82%), roads and bridges (&#x2212;69%), and irrigation and flood management (&#x2212;57%). Other critical sectors, such as Housing, health, education, and water supply and sanitation, exhibited increased damage costs in 2022. Water supply and sanitation systems experienced significant breakdowns during the 2022 floods (<xref ref-type="bibr" rid="B20">Islamic ReliefP, 2024</xref>), and the most significant increase in damage costs was recorded in this sector, with a rise of 143%. Floods in 2022 caused massive disruption to the education sector (<xref ref-type="bibr" rid="B45">Sujaya et al., 2023</xref>), and it experienced a 71% increase in 2022 compared to the 2010 flood period. The health sector, too, exhibited a concerning trend. It rose from 43% to 56% in 2022 floods. Overall, the sectors that demonstrated poorer outcomes in 2022, namely, housing, health, education, and water supply and sanitation, are those intrinsically linked to social wellbeing. These outcomes highlight deficiencies in the integration of hazard-resistant standards within all social infrastructure. This further suggests that while there may have been slight improvements in the resilience of physical infrastructure, societal exposure and vulnerability remain pronounced in essential human services. These findings indicate an uneven implementation of &#x201c;proactive&#x201d; disaster risk reduction across sectors.</p>
<p>This is also indicative of the provincial government&#x2019;s initiation of extensive restoration and strengthening of roads, bridges, and flood defenses and some other sectors. These investments likely paid dividends by 2022. Monetary comparison of sectoral damage costs is provided in <xref ref-type="table" rid="T2">Table 2</xref> and <xref ref-type="fig" rid="F5">Figure 5</xref>.</p>
<table-wrap id="T2" position="float">
<label>TABLE 2</label>
<caption>
<p>Monetary comparison of sectoral damage cost, including proportional percentage of combined damage cost for the 2010 and 2022 floods in KP, Pakistan.</p>
</caption>
<table>
<thead valign="top">
<tr>
<th rowspan="3" align="left">Types of damages</th>
<th colspan="4" align="center">Floods 2010</th>
<th colspan="4" align="center">Floods 2022</th>
</tr>
<tr>
<th colspan="2" align="left">(Rs. Billions)</th>
<th align="left">Numbers (fully and partially damaged)</th>
<th rowspan="2" align="left">(%)</th>
<th colspan="2" align="left">(Rs. Billions)</th>
<th align="left">Numbers (fully and partially damaged)</th>
<th rowspan="2" align="left">(%)</th>
</tr>
<tr>
<th align="left">Pakistan</th>
<th colspan="2" align="left">KP</th>
<th align="left">Pakistan</th>
<th colspan="2" align="left">KP</th>
</tr>
</thead>
<tbody valign="top">
<tr>
<td align="left">Overall damage</td>
<td align="left">854.77</td>
<td align="center">99.63</td>
<td align="left">&#x200b;</td>
<td align="left">33.14</td>
<td align="left">3,202.00</td>
<td align="center">201.00</td>
<td align="left">&#x200b;</td>
<td align="left">66.86</td>
</tr>
<tr>
<td align="left">Housing</td>
<td align="left">135.01</td>
<td align="center">18.17</td>
<td align="left">262,713</td>
<td align="left">43.74</td>
<td align="left">1,200.00</td>
<td align="center">23.37</td>
<td align="left">91,767</td>
<td align="left">56.26</td>
</tr>
<tr>
<td align="left">Health</td>
<td align="left">4.22</td>
<td align="center">1.11</td>
<td align="left">269</td>
<td align="left">43.94</td>
<td align="left">23.00</td>
<td align="center">1.42</td>
<td align="left">162</td>
<td align="left">56.06</td>
</tr>
<tr>
<td align="left">Education</td>
<td align="left">26.46</td>
<td align="center">5.12</td>
<td align="left">898</td>
<td align="left">36.86</td>
<td align="left">120.00</td>
<td align="center">8.77</td>
<td align="left">1,800</td>
<td align="left">63.14</td>
</tr>
<tr>
<td align="left">Irrigation and flood management</td>
<td align="left">23.60</td>
<td align="center">52.52</td>
<td align="left">&#x200b;</td>
<td align="left">70.11</td>
<td align="left">153.00</td>
<td align="center">22.39</td>
<td align="left">&#x200b;</td>
<td align="left">29.89</td>
</tr>
<tr>
<td align="left">Roads and bridges</td>
<td align="left">112.91</td>
<td align="center">64.10</td>
<td align="left">4,330&#xa0;km of roads and 314 bridges</td>
<td align="left">76.58</td>
<td align="left">701.00</td>
<td align="center">19.60</td>
<td align="left">1953&#xa0;km of roads and 142 bridges</td>
<td align="left">23.42</td>
</tr>
<tr>
<td align="left">Water supply and sanitation</td>
<td align="left">9.31</td>
<td align="center">1.85</td>
<td align="left">4,091</td>
<td align="left">29.16</td>
<td align="left">123.00</td>
<td align="center">4.50</td>
<td align="left">1,272</td>
<td align="left">70.84</td>
</tr>
<tr>
<td align="left">Energy</td>
<td align="left">26.30</td>
<td align="left">&#x200b;</td>
<td align="left">&#x200b;</td>
<td align="left">0.00</td>
<td align="left">19.00</td>
<td align="center">11.04</td>
<td align="left">303 solar, mini, and microhydel projects</td>
<td align="left">100.00</td>
</tr>
<tr>
<td align="left">Agriculture and livestock</td>
<td align="left">428.81</td>
<td align="center">36.75</td>
<td align="left">318,074 acres of crops and 877,300 livestock (small, big, and poultry)</td>
<td align="left">84.85</td>
<td align="left">800.00</td>
<td align="center">6.56</td>
<td align="left">121,400 acres of crops and 85,020 livestock (small, big, and poultry)</td>
<td align="left">15.15</td>
</tr>
<tr>
<td align="left">Private sector and industries</td>
<td align="left">23.93</td>
<td align="center">2.33</td>
<td align="left">89 industries, 17,919 shops/Hotels, and 236 mines</td>
<td align="left">80.31</td>
<td align="left">40.00</td>
<td align="center">0.57</td>
<td align="left">89 industries/Mines, 485 shops/Hotels</td>
<td align="left">19.69</td>
</tr>
<tr>
<td align="left">Governance</td>
<td align="left">5.98</td>
<td align="center">1.57</td>
<td align="left">906</td>
<td align="left">64.01</td>
<td align="left">13.00</td>
<td align="center">0.88</td>
<td align="left">65</td>
<td align="left">35.99</td>
</tr>
<tr>
<td align="left">Environment</td>
<td align="left">0.99</td>
<td align="center">0.87</td>
<td align="left">&#x200b;</td>
<td align="left">70.64</td>
<td align="left">4.00</td>
<td align="center">0.36</td>
<td align="left">&#x200b;</td>
<td align="left">29.36</td>
</tr>
</tbody>
</table>
</table-wrap>
<fig id="F5" position="float">
<label>FIGURE 5</label>
<caption>
<p>Comparison of proportional percentage of combined damage costs for the 2010 and 2022 floods in KP, Pakistan.</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g005.tif">
<alt-text content-type="machine-generated">Bar chart comparing the impact of floods in 2010 and 2022 across various sectors. Floods in 2022 (orange bars) had higher impacts on overall damage (66.86%), housing, health, education, and flood management, while 2010 floods (blue bars) had higher impacts on roads, agriculture, governance, and the environment. The highest impact in 2010 was on private sectors and industries (84.85%), and in 2022 was on overall damage.</alt-text>
</graphic>
</fig>
<p>When sectoral damage proportions are compared within each flood year and across corresponding sectors, the results indicate that sectors such as irrigation and flood management, roads and bridges, agriculture and livestock, private sector and industry, governance, and the environment accounted for a larger share of total damages during the 2010 floods. In contrast, these same sectors contributed a comparatively smaller proportion of overall damage during the 2022 flood event. Conversely, the housing, health, education, water supply, and sanitation sectors accounted for more damage during the 2022 flood (<xref ref-type="fig" rid="F6">Figure 6</xref>).</p>
<fig id="F6" position="float">
<label>FIGURE 6</label>
<caption>
<p>Sectoral damage percentages for the 2010 and 2022 floods in KP, Pakistan.</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g006.tif">
<alt-text content-type="machine-generated">Two pie charts compare budget allocations for flood management in 2010 and 2022. In 2010, the largest allocations were Roads and Bridges at 35% and Irrigation and Flood Management at 28%. In 2022, Housing increased to 27%, with Roads and Bridges at 22%. Other categories include Agriculture and Livestock, Water Supply and Sanitation, Health, Education, Environment, Private Sector and Industries, and Governance.</alt-text>
</graphic>
</fig>
<p>Overall, the results indicate that while the 2022 floods in Khyber Pakhtunkhwa were financially larger in nominal terms, they were structurally less severe yet socially more consequential than the 2010 event. Reduced inundation extent, lower fatalities, injuries, and displacement, and a smaller provincial share of national damages point to improvements in preparedness and resilience of certain physical infrastructure sectors, particularly irrigation, roads, bridges, and agriculture. However, the increased damage burden in housing, health, education, and water and sanitation sectors, alongside heightened macroeconomic stress, inflation, and poverty impacts, highlights a growing vulnerability in social infrastructure and essential services. This divergence suggests that post-2010 risk reduction efforts have yielded uneven outcomes: gains in structural protection have not been matched by commensurate improvements in people-centered resilience. Consequently, the 2022 floods underscore the need to rebalance disaster risk management in KP toward safeguarding social services and livelihoods, rather than relying predominantly on reductions in physical damage as a proxy for resilience. It also indicates that the transition to a &#x201c;proactive&#x201d; disaster management regime post-2010 has not consistently led to a reduction in vulnerability at the grassroots level.</p>
</sec>
<sec id="s4-2">
<label>4.2</label>
<title>Geographic and temporal variability and extent</title>
<p>In 2010, subsequent to the recent implementation of the disaster management framework and the onset of flooding, the KP government declared all 24 districts as calamity affected. However, the actual number of impacted districts was fewer, primarily those situated along riverbanks, due to excessive rainfall that resulted in riverine flooding (<xref ref-type="bibr" rid="B4">Rahman &#x0026; Khan, 2013</xref>). This fact was also substantiated when damaged districts were noted as 10 districts in the monsoon contingency report published in 2012 by the PDMA (<xref ref-type="bibr" rid="B37">PDMA, 2012</xref>), retrospectively citing lessons learned and as a reference for vulnerable regions for upcoming monsoon. In contrast, during the 2022 floods, the KP government declared 17 out of 35 districts, representing 50% of the province, as calamity-affected, with the damage being more widespread across the province (<xref ref-type="bibr" rid="B26">Mahmood, 2024</xref>). The declaration was carried out by PDMA which has well established reporting and coordination mechanisms and has matured during the past 12 years. This spatial redistribution suggests a shift in flood manifestation from large-scale riverine flooding toward a combination of localized riverine, pluvial, and flash-flood processes.</p>
<p>The predominant event in 2010 was a four-day extreme rainfall that set new rainfall records, causing flash floods in the mountainous north and riverine floods downstream, primarily affecting the riverbank districts such as Swat, Charsadda, Nowshera, and DI Khan. The floods persisted for several weeks in KP (late July to mid-August) in 2010. Conversely, the 2022 floods were characterized by a series of excessive rainfall events distributed across the province. Districts in the north, center, and south were affected, including Swat, Shangla, Dir, Peshawar, Charsadda, Swabi, DI Khan, Tank, and Lakki Marwat, among others. The established disaster management reporting regime recorded twenty-four flood events that occurred over a three-month period from June to August (<xref ref-type="bibr" rid="B14">Gul et al., 2024</xref>; <xref ref-type="bibr" rid="B35">P&#x26;DD, Planning and Development Department, 2022</xref>; <xref ref-type="bibr" rid="B38">PDMA, 2023</xref>). This temporal complexity contributed to repeated stress on settlements, infrastructure, and services, even in areas where inundation depths and extents were comparatively lower.</p>
<p>The varied geographic and temporal distribution of the 2022 floods, characterized by their prolonged, repetitive, and non-simultaneous nature, posed different challenges to the provincial response capacity compared to 2010. These shifts highlight the dynamic nature of flood risk in KP and caution against assuming static vulnerability based solely on historical flood footprints.</p>
<p>The affected population increased by 14.5% in 2022 compared to 2010, while a smaller proportion of the population was displaced in 2022 compared to 2010, as stated in the earlier section. The difference in damage patterns were also direct results of the specificity of the floods type. For example, the water supply and sanitation systems are effected differently in 2010 compared to 2022 mainly because the former were predominately flash and riverine floods affecting some of the mountainous and riverbank districts, while the latter is episodic multiple events of varying nature of floods including GLOF covering increased number of districts not necessarily along rivers. Overall, the comparison of temporal and geographic variability reveals that while structural flood extent was reduced in 2022, exposure became more dispersed and recurrent over time. This finding helps explain why the 2022 floods generated significant social and economic disruption despite lower overall inundation. This underscores the importance of hazard-specific resilience measures rather than generic ones. Therefore, resilience planning should account for all flood types and differently. Rather than investing in strengthening embankments and levees against riverine floods, other types should be comprehensively included for preparedness and mitigation strategies.</p>
</sec>
<sec id="s4-3">
<label>4.3</label>
<title>Comparison of Jaccard Indices and similarities of two floods</title>
<p>Jaccard analysis was conducted across 11 districts and nine sectors, with a focus on the quantitative assessment of infrastructure damage, categorized as complete, partial, or by type. The Jaccard analysis revealed varying degrees of similarity in terms of damage across corresponding sectors in similar geographic units (districts) between the two floods. Among the nine sectors analyzed, two exhibited high similarity, one demonstrated moderate similarity, five showed less similarity, and one displayed no similarity for the two floods. With an arithmetic mean of JIs for all nine sectors of 0.3, it can be cautiously inferred that the floods exhibit limited similarity to one another.</p>
<p>The JI results indicate that highly similar damage occurred in both the irrigation and flood management and governance sectors across the corresponding selected districts. While the cost of damages in flood management and irrigation in 2022 were minimal compared to those in 2010, the districts exhibited similar characteristics in both events showing related damage extents, normalized on a scale from 1 to 10. This suggests a comparable persistent vulnerability of the structures across the districts despite interventions and despite less damage.</p>
<p>The housing sector experienced moderately similar levels of damage across the corresponding districts during both flood events on the JI, indicating that certain districts were affected in both instances, while others were not. For instance, the districts of Swat and Nowshera suffered significant losses in both floods, whereas the district of DI Khan was the most severely affected in 2022, in contrast to the districts of Dir and Charsadda in 2010.</p>
<p>The five sectors, health, education, industry and commerce, agriculture, and roads and bridges, exhibited less similarity in damage across the 11 districts. This implies that spatial distribution is different in both floods in these sectors. Importantly, this may also imply that the pattern of vulnerability may have changed with improvements in some respects while exposing new weaknesses. This shift could have also been influenced by the nature of floods, 2010&#x2019;s singular large wave versus the 2022&#x2019;s multiple events.</p>
<p>The water supply and sanitation sectors showed no similarity in damage across the 11 districts when comparing flood events. This indicates that the damage patterns were different in both floods across similar districts. Using the general metrics results, it can be inferred that water supply and sanitation became a major victim in the floods 2022 and were impacted where they were not previously. The Jaccard index results are summarized in <xref ref-type="fig" rid="F7">Figure 7</xref>.</p>
<fig id="F7" position="float">
<label>FIGURE 7</label>
<caption>
<p>Jaccard indices with similarity thresholds.</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g007.tif">
<alt-text content-type="machine-generated">Bar chart depicting Jaccard Similarity Index (JI) for various sectors. Sectors are listed vertically with similarity thresholds: no similarity (JI = 0), less similarity (0.2-0.4), moderate similarity (0.4-0.6), and high similarity (&#x2265;0.6). &#x22;Water Supply and Sanitation&#x22; shows JI = 0. &#x22;Health&#x22; and higher sectors range between 0.2 and 0.6, indicating varying similarities.</alt-text>
</graphic>
</fig>
<p>The overall depiction of limited similarity, with an average Jaccard Index (JI) of 0.3, indicates that the districts were predominantly affected in diverse ways. Furthermore, a lower JI does not necessarily signify improvement in a sector; rather, it may denote change. In other words, while it is possible to identify the usual factors, it is imperative to remain vigilant regarding emerging risks in various locations.</p>
</sec>
<sec id="s4-4">
<label>4.4</label>
<title>Noy-lifeyears framework and the lifeyears cost of both floods</title>
<p>The Noy equation is presented once more below, consisting of three components:<disp-formula id="equ7">
<mml:math id="m7">
<mml:mrow>
<mml:mi>L</mml:mi>
<mml:mi>i</mml:mi>
<mml:mi>f</mml:mi>
<mml:mi>e</mml:mi>
<mml:mi>y</mml:mi>
<mml:mi>e</mml:mi>
<mml:mi>a</mml:mi>
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</disp-formula>
</p>
<p>The inputs for the various variables and sources are delineated as follows:</p>
<p>The mortality rate, <italic>M</italic>, from this research is 1,156 lives lost in 2010, and 419 lives lost in 2022. Noy used the World Health Organization (WHO) anticipated estimates of 92&#xa0;years for life expectancy (<italic>A</italic>
<sup>
<italic>exp</italic>
</sup>) at birth. This figure is derived from WHO projections, which is generic across nations and theoretically upper bound. However, we utilize the corresponding annual data from the Economic Survey of Pakistan, which is actual national value and reflects Pakistan&#x2019;s demography. According to the Economic Survey of Pakistan 2010&#x2013;11, life expectancy, <italic>A</italic>
<sup>
<italic>exp</italic>
</sup>, at birth in 2010 was 67.2&#xa0;years, whereas the Economic Survey of Pakistan 2023&#x2013;24 indicates it was 67.3&#xa0;years in 2022. United Nations population datasheets for Pakistan corresponding to flood years report that the median age, <italic>A</italic>
<sup>
<italic>med</italic>
</sup>, was 19&#xa0;years in 2010 and 20&#xa0;years in 2022 (<xref ref-type="bibr" rid="B11">Finance Division, 2010</xref>; <xref ref-type="bibr" rid="B12">Finance Division, 2023</xref>). The coefficient <italic>e</italic>, referred to as the &#x27;welfare-reduction weight,&#x2019; is taken as 0.054, and variable <italic>T</italic>, denoting the time required for the population to return to normalcy after disaster, is considered 3, as used in relevant studies (<xref ref-type="bibr" rid="B8">Doan and Noy, 2021</xref>; <xref ref-type="bibr" rid="B34">Noy, 2015</xref>). Variable <italic>N</italic>, representing the number of individuals affected and from this research it is 3,800,000 for 2010 and 4,350,000 for 2022. Noy utilizes a discounting rate, <italic>c</italic>, of 75 percent, regarded as a conservative estimate, resulting in (1-c) being 0.25. The variable <italic>Y</italic> represents financial damage, encompassing the value of destroyed or damaged infrastructure, but not the replacement costs. In this study, <italic>Y</italic> is taken as Rs. 105,896 million (US$1,246,000,000) for 2010 and Rs. 201,000 million (US$935,000,000) for 2022 as per corresponding PDNAs. The <italic>per capita</italic> GDP (<italic>PCGDP</italic>) was US$1,013 in 2010, with an exchange rate of Rs 80 to a dollar (<xref ref-type="bibr" rid="B30">MoPDSI, 2010</xref>) and US$1,766 in 2022, with an exchange rate of Rs 204.85 per dollar (<xref ref-type="bibr" rid="B31">MoPDSI, 2022</xref>). A summary of the inputs for the various variables is presented in <xref ref-type="table" rid="T3">Table 3</xref>.</p>
<table-wrap id="T3" position="float">
<label>TABLE 3</label>
<caption>
<p>Values and sources used for calculating the Noy-lifeyears index.</p>
</caption>
<table>
<thead valign="top">
<tr>
<th align="left">S. no.</th>
<th align="left">Dependent variables</th>
<th align="left">Independent variables</th>
<th align="left">Values</th>
<th align="left">Remarks</th>
</tr>
</thead>
<tbody valign="top">
<tr>
<td rowspan="3" align="center">1</td>
<td rowspan="3" align="left">L <italic>(M, A</italic>
<sup>
<italic>death</italic>
</sup>
<italic>, A</italic>
<sup>
<italic>exp</italic>
</sup>
<italic>)&#x3d; M&#x2a;(A</italic>
<sup>
<italic>exp</italic>
</sup>
<italic>-A</italic>
<sup>
<italic>death</italic>
</sup>
<italic>)</italic>
</td>
<td align="left">
<italic>M</italic>
</td>
<td align="left">For 2010 &#x3d; 1,156<break/>For 2022 &#x3d; 419</td>
<td align="left">Total number of fatalities from PDNAs</td>
</tr>
<tr>
<td align="left">
<italic>A</italic>
<sup>
<italic>exp</italic>
</sup>
</td>
<td align="left">For 2010 &#x3d; 67.2<break/>For 2022 &#x3d; 67.3</td>
<td align="left">Life expectancy at birth from economic survey of Pakistan for the fiscal year 2010&#x2013;11 and 2022&#x2013;23</td>
</tr>
<tr>
<td align="left">
<italic>A</italic>
<sup>
<italic>death</italic>
</sup> <italic>&#x3d; A</italic>
<sup>
<italic>med</italic>
</sup>
</td>
<td align="left">For 2010 &#x3d; 19<break/>For 2022 &#x3d; 20</td>
<td align="left">Median age of the population from the united nations population data sheets</td>
</tr>
<tr>
<td rowspan="3" align="center">2</td>
<td rowspan="3" align="left">I <italic>(N) &#x3d; e&#x2a;T&#x2a;N</italic>
</td>
<td align="left">
<italic>E</italic>
</td>
<td align="left">For 2010 &#x3d; 3.8 million<break/>For 2022 &#x3d; 4.35 million</td>
<td align="left">Number of affected populations from government sources, PDNAs, and PDMA reports</td>
</tr>
<tr>
<td align="left">
<italic>T</italic>
</td>
<td align="left">0.054</td>
<td align="left">Welfare-reduction coefficient from the WHO report (2013)</td>
</tr>
<tr>
<td align="left">
<italic>N</italic>
</td>
<td align="left">3</td>
<td align="left">Reconstruction period, 3 years, as assumed by Noy</td>
</tr>
<tr>
<td rowspan="3" align="center">3</td>
<td rowspan="3" align="left">DAM <italic>(Y,P)&#x3d; (1-c)&#x2a;Y/PCGDP</italic>
</td>
<td align="left">
<italic>c</italic>
</td>
<td align="left">0.25</td>
<td align="left">Reduction factor used by Noy</td>
</tr>
<tr>
<td align="left">
<italic>Y</italic>
</td>
<td align="left">For 2010 &#x3d; US$ 1.246 million<break/>For 2022 &#x3d; US$ 935 million</td>
<td align="left">Amount of total financial damage taken from PDNAs</td>
</tr>
<tr>
<td align="left">
<italic>PCGDP</italic>
</td>
<td align="left">For 2010 &#x3d; US$ 1,013<break/>For 2022 &#x3d; US$ 1,766</td>
<td align="left">Per capita GDP taken from the economic surveys of Pakistan</td>
</tr>
</tbody>
</table>
</table-wrap>
<p>By inputting all the relevant variable values into the Noy-lifeyears equation, the total life years lost were calculated for both flood events. The results indicate that the 2010 floods resulted in an estimated 7,134,226.60 life years lost, which is approximately 7.134 million years. In comparison, the 2022 floods accounted for a slightly higher loss, totaling 7,463,902.51 life years, or approximately 7.463 million years.</p>
<p>The effect of each of the three constituent components in the Noy Equation is analyzed further to assess the mathematical contribution of each component to the final results for the corresponding flood year. The L-Component (Mortality) accounted for 55,719 (0.055 million) life years in 2010, whereas in 2022, it accounted for 19,818 (0.019 million) life years, reflecting a reduction of 0.036 million years. This reduction in mortality resulted in the preservation of 35,900 life years in 2022 compared to 2010. These values represent approximately 1% of the total life years for both years, indicating a relatively minor impact on the overall disaster effect. The I-Component (Injury/Displacement) recorded 6.156 million life years in 2010, increasing to 7.047 million life years in 2022, an increment of 891,000 life years attributable to a greater number of individuals affected. In 2010, this component accounted for 86% of the total lifeyears, increasing to 94% in 2022, highlighting the significant role of the number of individuals affected by the disaster as a key factor in human impact. The DAM-Component (Economic Damage) was 0.922 million life years in 2010, decreasing to 0.397 million life years in 2022, a reduction of 525,423 life years. The DAM component was nearly double in 2010 compared to 2022, indicating greater actual damage. Despite the higher nominal values of economic damage in 2022, the lower DAM value suggests that when adjusted for a larger economy, the human efforts and hence the lifeyears required for normalization and rebuilding were reduced. The DAM value contributed 13% in 2010 and 5% in 2022 to the total Noy Lifeyears losses.</p>
<p>The increase in the total lifeyears value for 2022 was primarily attributed to the elevated I component, which dominated the reductions observed in the L and DAM components. This suggests that, despite experiencing reduced mortality and lesser true damage, the resilience efforts were overshadowed by the disruption to the lives of a significantly greater number of population. Furthermore, the findings indicate that although the 2010 flood events exhibited a clear pattern of increased damage, the Noy-lifeyears index presented a contrasting narrative. This discrepancy creates a paradox concerning the linearity and proportionality of damage figures in relation to life costs and vulnerability. It also distinguishes structural resilience from human coping capacity and disconnects from enhanced social protection measures. The resilience gap becomes evident where traditional metrics may suggest improvement, yet in reality, there is a setback or stagnation. The Noy-lifeyears index is graphically presented in <xref ref-type="fig" rid="F8">Figure 8</xref>.</p>
<fig id="F8" position="float">
<label>FIGURE 8</label>
<caption>
<p>Noy-lifeyears comparison for 2010 and 2022 floods in KP, Pakistan.</p>
</caption>
<graphic xlink:href="fenvs-14-1742357-g008.tif">
<alt-text content-type="machine-generated">Bar chart comparing lifeyears affected by floods in 2010 and 2022. In 2010, 7,134,226 lifeyears were affected, while in 2022, the number increased to 7,463,902.</alt-text>
</graphic>
</fig>
<p>This also poses a challenge to the improvements brought about by the implementation of the proactive disaster management regime post-2010. Although structural resilience has improved in certain areas, the overall gains and benefits to the primary stakeholders, namely, the people for whom the entire process and mechanism were established, are in fact diminished, considering all external and internal parameters.</p>
<p>In conclusion the floods 2022 were more costly in terms of human development than floods 2010. The total lifeyears lost is 4.6% higher indicating an inclusion of human centric metrics in disaster impact assessments.</p>
</sec>
<sec id="s4-5">
<label>4.5</label>
<title>Beyond metrics</title>
<p>Disasters should be understood as cumulative social phenomena rather than isolated disruptive incidents that destroy infrastructure. Metrics that focus solely on tangible damage are inadequate for capturing the profound disruptions to social structures and human fabric. This study critically examines the linear narrative of development and resilience prevalent in international policy discourse by employing the Noy index, which elucidates the impact dichotomy of flood events when assessed only with the direct perspective of damage figures. The Noy-lifeyears index, showing an increase of 4.6% in lifeyears lost in 2022, clearly augments the argument. The comparative findings in the study revealed that disaster resilience progress may be uneven and, in fact, illusory in KP. With the implementation of the new disaster management paradigm, there may be modest improvement when viewed from the damage perspective; however, beyond metrics, it reveals continuity and even worsening of the effects.</p>
<p>Another aspect that becomes evident is that while some sectors perform well, others may have been subject to neglect. For example, investment in roads, bridges, and irrigation infrastructure has resulted in resilience because it was easier to prioritize due to its visibility for political gain and ease of funding. The case is not the same for housing and health, which apart from immediate steps require long-term strategies like improving building codes, devising and implementing land use planning, and above all the will to enforce non-visible long-term resilience strategies which may not be politically popular. Extending the insight, this hints at the bureaucratic and political capacity and will to take the required action. A perception is created through plans, meetings, reports, and politically bankable projects of roads, bridges, and infrastructure or immediate reconstruction in these sectors, creating a false sense of security and progress, while vulnerabilities remain on the ground. This can be contextualized with theoretical concepts of necropolitics (<xref ref-type="bibr" rid="B28">Mbembe, 2003</xref>) and bureaucratic illusion (<xref ref-type="bibr" rid="B39">Peters and Nagel, 2025</xref>), which can be deduced from present study where social vulnerability in 2022 was evident from the results of this study. These theoretical lenses help explain the observed disparity: visible, politically rewarding infrastructure (roads, bridges) received investment that reduced physical damage (high JI similarity), while less visible, long-term social infrastructure (housing, health, water supply and sanitation) were neglected, leading to increased human suffering (higher Noy index). This pattern reflects a form of bureaucratic prioritization that overlooks human security.</p>
<p>Alongside other reasons, floods do have a role in the increase in poverty (5.9% more poverty in 2022 than 2.2% after floods in 2010) and the plunging of the economy (GDP) into negative growth (&#x2212;6.4%) after floods in 2022. This results in driving people to lesser expenditure on food and health, movement to cheaper marginal lands for lodging, sustained trauma and mental health issues, interruption or cessation of education for children, and loss of livelihoods. Moreover, vulnerable communities and segments, including rural populations, ethnic minorities, individuals living below the poverty line, and those who are physically vulnerable, such as the elderly, disabled, women, and children, are often the primary victims. Although this study does not explicitly quantify these, they are associated intangible losses with disasters. Yet, it hints at these deficiencies in the system and the need to look beyond the metrics of monetary losses. This may again be attributed to necropolitics, where authorities exercise control over mortality through action or inaction. Thus, not striving to review the paradigm can be seen as inaction on the part of the authorities.</p>
<p>Beyond metrics, this study offers insights into shifting the emphasis of future research and practices from observable impacts and quantitative metrics to a broader system that cultivates resilience, encompassing governance, development, and human security. Consequently, disaster recovery extends beyond economic rehabilitation to encompass the intricate restoration of individual and collective temporality. The concept of resilience remains superficial without addressing ontological vulnerabilities.</p>
</sec>
</sec>
<sec sec-type="conclusion" id="s5">
<label>5</label>
<title>Conclusion</title>
<p>Each disaster presents an opportunity for improvement, contingent upon the effective assimilation and uniform application of lessons learned. A comparison of the KP floods using plain comparisons and dual-metric comparative analysis revealed both advancements and setbacks. It provided foundational work for the resilience initiatives aiming to encapsulate the intricate realities of disaster impacts and identify specific corrective measures.</p>
<p>This study demonstrates that the spatial and sectoral patterns of flood impacts in Khyber Pakhtunkhwa differed substantially between the 2010 and 2022 flood events. Generalized Jaccard similarity analysis with a mean value of 0.3 across 9 sectors, revealed limited overall overlap in sectoral damage distributions, indicating that vulnerability has both persisted in certain locations and shifted across districts and sectors over time. At the same time, human-centric assessment shows that total lifeyears lost increased in 2022, 4.6% more lifeyears lost (7.463 million vs. 7.134 million), despite comparatively lower or redistributed physical damage in several sectors, highlighting a divergence between structural loss reduction and positive human wellbeing outcomes. The 4.6 percent higher lifeyears losses in 2022 than in 2010, reinforce the conclusion that reductions in structural damage alone do not equate to improved human-development resilience. Furthermore, a critical resilience gap was identified through cross-sector comparisons, which indicated that some sectors show decreased nominal total costs as compared to other essential human services sector which showed increased costs in 2022.</p>
<p>Methodologically, the study advances comparative disaster assessments by integrating district harmonization, normalized sectoral similarity analysis, and the Noy-lifeyears framework within a single longitudinal design. By applying a generalized JI to normalized continuous impact data, the analysis explicitly distinguishes persistence from shifting vulnerability patterns across successive flood events. Coupling this with a lifeyears-based metric provides a transparent and reproducible approach for capturing both spatial damage overlaps and broader human-development consequences in data-constrained settings.</p>
<p>The findings underscore that reductions in physical damage alone do not necessarily translate into improved societal resilience or better human development outcomes. Flood risk governance in KP, and in comparable flood-prone regions, must therefore extend beyond infrastructure-focused interventions to prioritize people-centered outcomes, including service continuity, housing safety, livelihood protection, and social protection mechanisms. Embedding human-development metrics alongside conventional damage indicators can support more equitable, evidence-based flood risk management and help align resilience investments with long-term development objectives. Consistent with the governance challenges and political-will constraints which are highlighted earlier, these findings support the theoretical assertion that institutional performance influences disaster impacts as profoundly as environmental drivers. Moreover, the study suggests that different flood types, risks, and resilience to vulnerabilities should be studied and incorporated into infrastructure design.</p>
<p>This approach offers a reproducible paradigm for long-term disaster research by combining human development accounts (Noy) with spatial similarity metrics (Jaccard). It can be reproduced for other regions and types of disasters and in data&#x2010;sparse environments.</p>
</sec>
</body>
<back>
<sec sec-type="data-availability" id="s6">
<title>Data availability statement</title>
<p>Publicly available datasets were analyzed in this study. This data can be found here: The data will be available upon formal request from the first or corresponding author.</p>
</sec>
<sec sec-type="author-contributions" id="s7">
<title>Author contributions</title>
<p>SI: Conceptualization, Methodology, Data curation, Writing &#x2013; original draft, Formal Analysis. AA: Formal Analysis, Writing &#x2013; review and editing, Methodology, Conceptualization. KA: Validation, Methodology, Conceptualization, Writing &#x2013; review and editing. WU: Supervision, Funding acquisition, Writing &#x2013; review and editing, Formal Analysis. IK: Conceptualization, Methodology, Validation, Writing &#x2013; review and editing. SU: Formal Analysis, Conceptualization, Methodology, Validation, Writing &#x2013; review and editing.</p>
</sec>
<ack>
<title>Acknowledgements</title>
<p>We express our gratitude to the Pakistan Meteorological Department, the Planning and Development (P&#x26;D) Department of Khyber Pakhtunkhwa, and all organizations that facilitated the dissemination of knowledge by granting public access to their datasets. We also acknowledge the invaluable support of our family, mentors, friends, and colleagues, who have contributed to the success of this research. The authors also acknowledge Rabdan Academy, UAE, for article processing charges (APC).</p>
</ack>
<sec sec-type="COI-statement" id="s9">
<title>Conflict of interest</title>
<p>The author(s) declared that this work was conducted in the absence of any commercial or financial relationships that could be construed as a potential conflict of interest.</p>
</sec>
<sec sec-type="ai-statement" id="s10">
<title>Generative AI statement</title>
<p>The author(s) declared that generative AI was used in the creation of this manuscript. After finalization of this research article, the authors used Paperpal to improve readability, language, and sentence flow. The authors reviewed the contents after using AI-assisted tools and took full responsibility for the content of the published article.</p>
<p>Any alternative text (alt text) provided alongside figures in this article has been generated by Frontiers with the support of artificial intelligence and reasonable efforts have been made to ensure accuracy, including review by the authors wherever possible. If you identify any issues, please contact us.</p>
</sec>
<sec sec-type="disclaimer" id="s11">
<title>Publisher&#x2019;s note</title>
<p>All claims expressed in this article are solely those of the authors and do not necessarily represent those of their affiliated organizations, or those of the publisher, the editors and the reviewers. Any product that may be evaluated in this article, or claim that may be made by its manufacturer, is not guaranteed or endorsed by the publisher.</p>
</sec>
<sec sec-type="supplementary-material" id="s12">
<title>Supplementary material</title>
<p>The Supplementary Material for this article can be found online at: <ext-link ext-link-type="uri" xlink:href="https://www.frontiersin.org/articles/10.3389/fenvs.2026.1742357/full#supplementary-material">https://www.frontiersin.org/articles/10.3389/fenvs.2026.1742357/full&#x23;supplementary-material</ext-link>
</p>
<supplementary-material xlink:href="Supplementaryfile1.docx" id="SM1" mimetype="application/docx" xmlns:xlink="http://www.w3.org/1999/xlink"/>
<supplementary-material xlink:href="Supplementaryfile2.docx" id="SM2" mimetype="application/docx" xmlns:xlink="http://www.w3.org/1999/xlink"/>
</sec>
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<bold>Edited by:</bold> <ext-link ext-link-type="uri" xlink:href="https://loop.frontiersin.org/people/1004500/overview">Hizir Sofyan</ext-link>, Syiah Kuala University, Indonesia</p>
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<bold>Reviewed by:</bold> <ext-link ext-link-type="uri" xlink:href="https://loop.frontiersin.org/people/2824962/overview">Amjad Ali Khan</ext-link>, Chinese Academy of Sciences (CAS), China</p>
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<ext-link ext-link-type="uri" xlink:href="https://loop.frontiersin.org/people/2996359/overview">Shoukat Ali Shah</ext-link>, Wuhan University, China</p>
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