Understanding social and behavioral drivers and constraints of household adaptation is essential to effectively address increasing climate-induced risks. Factors shaping household adaptation are commonly treated as universal; despite an emerging understanding that adaptations are shaped by social, institutional, and cultural contexts. Using original surveys in the United States, China, Indonesia, and the Netherlands (N=3,789) - we explore variations in factors shaping households' adaptations to flooding, the costliest hazard worldwide. We find that social influence, worry, climate change beliefs, self-efficacy, and perceived costs exhibit universal effects on household adaptations, despite countries' differences. Disparities occur in the effects of response efficacy, flood experience, beliefs in governmental actions, demographics, and media, which we attribute to specific cultural or institutional characteristics. Climate adaptation policies can leverage on the revealed similarities when extrapolating best practices across countries, yet should exercise caution as context-specific socio-behavioral drivers may discourage or even reverse household adaptation motivation.