Increasing flood resilience involves the implementation of structural and non-structural measures by homeowners to comprehend adaptive capacity to the impacts to flood events. Analyzing homeowners’ technical and social capacity creates more knowledge and helps to understand how prepared a system is and what specific actions should be taken. This is the basis for recommending appropriate adaptation measures and increasing resilience. The study identifies homeowners’ social and technical capacity aspects in Ghana, West Africa, to effectively improve their resilience. Ghana is particularly vulnerable to flooding, and its flood risk management (FRM) strategy is gradually evolving to encompass a greater role for homeowners. To gain insight into the factors influencing homeowners' capacity to implement measures, a quantitative research design comprising a household survey was employed in three study areas (Accra, Kumasi, and White Volta) with 1,168 participating homeowners. The results offered insights into the high risk perception and respondents’ motivation, the significant challenges they face in coping with flood events, their limited knowledge of effective measures, and the heterogeneous implementation barriers and support needs across the region. Based on these findings, this paper outlines the practical implications, actionable steps, and sustainable strategies that can be employed with the FLOODLABELGHANA tool for resilience improvement.