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This paper presents the differential impacts of flood hazards among street children, the urban poor and residents of wealthy neighborhoods in Metro Manila, Philippines. It argues that being poor is not the only reason why certain sectors are more vulnerable to floods or any environmental hazards -spatial isolation and lack of participation in decision making intensify their present and future vulnerability, as well. Archival research, interviews, focused group discussion, participant observation and surveys of populations at risk are employed to delineate the flood experiences and coping strategies of street children and residents of poor urban settlements and wealthy neighborhoods in Metro Manila at the household and community levels. The concept of entitlement, the Contextual Hazards Model, and the Access Model are used in the data analysis and interpretation. Several policy recommendations on hazard management and disaster mitigation are identified to reduce flood losses in Metro Manila.