This Study aims to demonstrate how much flood vulnerability in urban area changed for the past 32 years by using the panel model. At the same time, this study strives to determine the primary factors and to construct an effective counter-plan by means of empirical research. After selecting research hypotheses based on considerations of issues concerning causes for urban flooding, their relevance is put to the test by conducting empirical research in individual case locations. This research verifies the four research hypotheses by using one-way error component regression model. In conclusion, this research has shown that urban land use and local characteristics act as significant flood determinants, with forests acting to reduce flood dangers. Moreover, constructing embankments can no longer represent a reliable flood control policy. The changes in future flood control policies need to incorporate local characteristics and to minimize natural destruction, so that humans and nature can coexist through environmentally friendly flood management policies.