African continent is particularly vulnerable to the impact of climate change due to factors such as widespread and growing poverty, recurrent drought and over-dependence on rain-fed agriculture. Although adaptation options encompassing traditional coping strategies may be theoretically available, in practice, the human infrastructural and economic response capacity to effect timely actions may well be beyond the means of some countries or groups within communities. This study examines an intra-urban pattern of vulnerability to the impacts of climate change using the example of rainstorm disaster in Ilorin city, Nigeria. It also underscores the peculiar nature of the inner city dwellers’ vulnerability. It also examines the coping mechanisms of urban dwellers to extremes of climate change. The data for the study is obtained from both primary and secondary sources. The primary source refers to a set structured questionnaire to be administered to selected households from those that were affected by rainstorm disaster (1999-2006). The number of households affected by the rainstorm was not known; however, the city of Ilorin is divided into twenty (20) traditional wards and rainstorm was known to have affected most part of the city during the period under review. Therefore, a preliminary survey was conducted in the whole city to identify ten houses in each ward that were affected. The questionnaire was administered to heads of households in the ten identified houses. The survey was conducted for houses that were affected in the last rainstorm to the survey since we were unable to identify houses that were previously affected after repairs. Moreover, the record of households involved and extent of the damage as well as the support given to victims were obtained from Ecological Disaster Management Committee in Kwara State. The data were analyzed using relevant statistical techniques. The result shows that the number of houses affected by rainstorm was directly related to the age of buildings and the materials used for the walls. These two variables were also found to possess a consistent spatial pattern within the city with greater concentration in the inner city. The paper proposes some institutional arrangements to socially support the affected households giving consideration for the social and economic conditions.