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This study develops a coherent framework to detect those catchment types associated with a high risk of maladaptation to future flood risk. Using the "scenario-neutral" approach to impact assessment the sensitivity of Irish catchments to fluvial flooding is examined in the context of national climate change allowances. A predefined sensitivity domain is used to quantify flood responses to +2 °C mean annual temperature with incremental changes in the seasonality and mean of the annual precipitation cycle. The magnitude of the 20-year flood is simulated at each increment using two rainfall-runoff models (GR4J, NAM), then concatenated as response surfaces for 35 sample catchments. A typology of catchment sensitivity is developed using clustering and discriminant analysis of physical attributes. The same attributes are used to classify 215 ungauged/data-sparse catchments. To address possible redundancies, the exposure of different catchment types to projected climate is established using an objectively selected subset of the Coupled Model Intercomparison Project Phase 5 ensemble. Hydrological model uncertainty is shown to significantly influence sensitivity and have a greater effect than ensemble bias. A national flood risk allowance of 20%, considering all 215 catchments is shown to afford protection against ~48% to 98% of the uncertainty in the Coupled Model Intercomparison Project Phase 5 subset (Representative Concentration Pathway 8.5; 2070-2099), irrespective of hydrological model and catchment type. However, results indicate that assuming a standard national or regional allowance could lead to local over/under adaptation. Herein, catchments with relatively less storage are sensitive to seasonal amplification in the annual cycle of precipitation and warrant special attention.