Human communities and their activities are dependent on their surrounding environment in which climate plays a major role. Living beings are sensitive to climate as they live and create livelihoods based on it. The climate is versatile, and its unpredictable character for natural reasons, always made human societies adapt strategies depending on the extremes of the climate and weather. Floods are the most recurring natural calamity in many countries and India ranks first in the human loss category due to calamities. It is not possible to eliminate the floods, but it is possible to minimize the damage and the risk potential. In India, dis-aster management plays a key role in risk control and management. However, due to a lack of deliberative governance, the efforts of the National disaster body never achieved its goals. Urban floods show how poor governance can create a major risk that results in social, economic, and environmental losses for the city. Cities like Chennai, Mumbai, and Kolkata are experiencing extreme floods due to a lack of proper risk mitigation and city planning governance issues. To understand flood mitigation in India, the disaster management governance model of India is analyzed with other countries to understand the merits and demerits of our governance. For the pilot study, the present risk management plans of Chennai are assessed using the flood risk management framework to know how effective the management is. This paper aims to recommend and implement an effective governance model to reduce the impact caused by floods in Indian cities.