This study assesses flood vulnerability, levels of vulnerability, determinants of flood vulnerability and coping strategies for flood hazards. The vulnerability and resilience of the local communities are key concepts in this study. Most households are vulnerable to flood hazards. It is therefore important to measure their levels of vulnerability and assess their responses for current and future planning. A flood vulnerability index was used to measure the extent of flood vulnerability. Key informant interviews, field surveys and household questionnaires were used to collect the data. The results show that vulnerability to flood in this community is determined by the nature of soil, dwelling type, employment, education and amount of rainfall in a season. Social and economic components scored higher than the physical environment, while social factors are higher than the economic factors. Contextual coping strategies in this community were temporary relocation, evacuation to a safe area and waiting for government and neighbours to help. The study recommends that public awareness campaigns, early warning systems and improved disaster management strategies must take into consideration differentiated levels of vulnerability and community coping mechanisms and preferences.