The qualitative research was developed through bibliographical and documental research, semi-structured interviews, transcript analysis, coding and categorization of data. Generic and specific adaptative capacities in the individual and system organizational levels are low, and among the determinants of adaptive capacity to floods, financial resources, urban vulnerability and coping strategies are considered the most important at the individual level.The lack of resources and the instability and lack of diversification of income sources limit the options available in regular housing areas and make it difficult to mobilize resources for the adoption of preventive and post-event recovery measures. Urban vulnerability is due to illegal land occupation, where investments in infrastructure, which could reduce the exposure to the impacts of floods, are not made by residents, because they don't know for how long they will be able to stay in the area. Coping strategies were found to have only a reactive character, without any planning, being decided and taken reactively when the water rises.Given the observed aspects, building adaptive capacity to floods in Jardim Pantanal requires a) understanding between autonomous (individual) and planned (system) adaptation measures; b) anticipatory rather than responsive adaptation actions; and c) short and longterm adaptation measures to consider the vulnerabilities arising during the adaptation period.
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