Abstract: Urban flooding is becoming an increasingly severe and more frequent problem in African cities. The floods result into loss of lives and damages to properties in these urban places. Vulnerability to flood damages has been explained to be related to the manner in which urban settlements develop. Particular processes of urban development, especially in developing countries, where plans follow rapid urban growth, rather than direct it, have been blamed for the increased vulnerability to flood damage. Potential impacts of climate changes are expected to exacerbate this urban flood menace. This therefore necessitated a study of this nature so as to explore the dichotomous pathways in urban development process and how they contribute to the rise in flood damage. This would in turn enable us confront such processes through appropriate urban development planning framework.