ABSTRACT Climate change is changing physical and social risks facing people in African cities. Emerging awareness is beginning to stimulate a wide range of adaptive responses. These responses are playing out in a complex institutional and governance context which shape their effectiveness and legitimacy. Employing a hybrid governance approach, we investigate the development of flooding and flood protection in the context of urban development in Tamale, Ghana. We argue that the interplay between traditional and state-based authority shapes the market for land, the regulation of land use and the provision of urban services, including flood protection. Hybrid governance influences the types of knowledge applied to urban problem-solving, the legitimacy of choices made, the human and other resources that can be deployed in building community resilience and the willingness to act in the provision of public goods by communities. We suggest how the existing hybrid governance setting could be strengthened to achieve more effective and legitimate adaptation to dynamic flood risks under climate change in Tamale, with lessons for other West African contexts.