Natural hazard protection faces the key challenge that not everyone living in a risk zone is threatened equally. Decisions on whom to protect often cause conflicts in resource allocation and distribution. JustFair developed policy guidance by (1) comparing international practice in addressing social justice issues in climate change adaptation and by (2) empirically identifying disadvantaged groups among households and small businesses, taking into account that individual resources and deficits need to be balanced against each other. Additionally, a comparison was made between the financial measures taken during the Covid-19 crisis in Austria and the current regulations for disaster relief funds.