The Philippines is exposed to numerous typhoons every year, each of which poses a potential threat to livelihoods, shelter, and in some cases life. Flooding caused by such events leads to extensive damage to land and buildings, and the impact on rural communities can be severe. The global community is calling for action to address and achieve disaster risk reduction for communities and people exposed to such events. Achieving this requires an understanding of the nature of the risks that flooding and typhoons pose to these communities and their homes. This paper presents the findings from a field based case study assessment of three rural settlements in the Philippines, where typhoons and associated flooding in recent years has caused significant damage to houses and livelihoods, leading to the reconstruction of homes that more often than not reproduce similar structural vulnerabilities as were there before these hazards occurred. This work presents a methodology for risk assessment of such structures profiling the flood and wind hazards and measuring physical vulnerability and the experience of communities affected. The aim of the work is to demonstrate a method for identifying risks in these communities, and seeks to address the challenge faced by practitioners of assisting communities in rebuilding their homes in more resilient ways. The work set out here contributes to the discussion about how best to enable practitioners and communities to achieve the sought for risk reduction and especially highlights the role that geoscience and engineering can have in achieving this ambition.