Cameroon has recorded disasters, both natural and man-made, in the past. The coastal city of Limbe and many other geographical locations are potential sites for future disasters. On the basis of interviews and related primary and secondary literature, this article looks at past occurrences of floods in Limbe, particularly those of 2001,and how the state and local authorities managed the challenge. Through this, it attempts an evaluation of state policies and the institutional structure for disaster risk reduction(DRR) and management in the country. The study reveals that Cameroon does not have a national disaster management structure and a national platform for DRR. Disaster related activities are lumped together with other civil protection responsibilities of the Ministry of Territorial Administration and Decentralization(MINATD) despite the country’s commitment to the Hyogo Framework for Action 2005–2015. Government interventions are more reactive than proactive although its strategy to disaster management indicates both disaster preparedness and emergency intervention and rehabilitation. The study concludes that the present strategy is bureaucratic,financially burdensome, and does not really achieve the essential goals of DRR in saving lives and reducing vulnerability. For DRR to be effective in Cameroon, a permanent disaster management unit with regional and local structures should be put in place independent of other branches of the Department of Disaster and Emergency Services of MINATD and with each level exercising a significant degree of operative autonomy. A national policy and framework with emphasis on DRR should be adopted in the country.