In the wake of devastating annual floods in the Accra Metropolitan Area (AMA), most Ghanaians recognize that hazards are more than a force of nature. Over the past decade, different social actors (Government, Non-governmental Organizations (NGOs), Communities, and Households) have turned their attention to flood hazard mitigation in hopes of reducing losses. However, these approaches have failed to reduce human vulnerability to flooding. Issues of failed mitigation and governmental priorities provided my personal motivations to better understand social and governmental approaches to mitigation, and how both can be combined to achieve better results. I investigated the characteristics of households and communities that have frequently recorded higher losses from floods than AMA averages. The methods employed include archival studies, interviews, and participant observation. A micro level analysis of society-nature relations was used to understand the household impacts of urban hazards. My study concludes that, both government and households recognize the seriousness of the flooding problem and recognize the need to mitigate its impact. However, there is little coordination between governmental and household mitigation activities. As a result even long time residents who have long experience with flooding continue to suffer heavy personal and property losses.