– The purpose of this paper is to analyze the root causes of disaster vulnerability in Jakarta, to highlight the strategies and implications of official policies, and to consider alternatives for vulnerability mitigation. The February 2007 floods which struck Jakarta emphasized the extreme vulnerability of informal poor communities and the inefficiency of the disaster management policy set up by the Indonesian government. Human factors are dominant in explaining the magnitude of the 2007 flooding episode. Urbanization is partially responsible for the extent of the flooding by waterproofing the soils. Yet floods do not strike the inhabitants of formal and informal settlements in the same way. People from the poor illegal areas are the most affected. Their behaviour and coping strategies during the crisis are not due to a low perception of risk, but rather to some daily and non-hazard-related constraints which are not taken into account by the government.