Flooding, exacerbated by climate change, continues to devastate Nigerian communities, particularly in Kogi State, Nigeria. The lack of flood-control measures, such as reservoirs, and encroachment on flood plains have worsened the impacts. This study aims to mitigate these effects by creating a flood hazard map for Kogi State. The objectives of the study are to identify flood-prone areas; assess settlement vulnerability, and produce a vulnerability assessment map. Eight spatial datasets (rainfall, soil, land use, DEM, NDVI, TWI, and drainage density) were integrated using Spatial Multi-Criteria Decision Analysis (SMCDA) and Analytical Hierarchical Process (AHP). The weighted overlay of reclassified raster datasets in ArcGIS produced a hazard map. Findings show that the intense rainfall, low relief, and low vegetation index (NDVI) characterizing the study are risk factors for flood ability.