The study examined the contribution of voluntary organizations to flood disaster reduction in Lokoja, North Central Nigeria. A total of 91 and 56 respondents were administered questionnaire in selected urban and rural areas respectviely in Lokoja. The questionnaire was used to obtain information on respondents’ awareness of the type of voluntary organizations and external supports provided by them. Residents’ ratings of the organiations’ performance were aslo assessed. It was shown through findings that most of the respondents both in the urban and rural areas were aware of voluntary organizations in their localities.. However, most of the respondents in the rural areas did not benefit from the assistance rendered by the organizations compared to those in the urban areas. The organizations’ performance was rated higher in the urban than in the rural areas. It was thus concluded that rural areas had less access to external supports from voluntary organizations than their urban counterpart. Voluntary Organisations, Flood Disaster Reduction, Urban Areas, Rural Areas.