This study attempts to determine the factors of flooding in Kelantan's, especially in areas near the Kelantan River, Galas River and Lebir River. By using the OLS estimator on the primary data in 2014, a total of 400 questionnaires were distributed among heads of household, and owner of business premises in the district of Manek Urai, Dabong, Tanah Merah, Kota Bharu and Pasir Mas. The result shows that income per capita, number of households, distance from the river and willingness to pay can reduce a flood risk. These findings are useful to the policy maker to propose the solution to minimize the flood risk, particularly in area that exposed to disaster.