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One of the issue of environmental disasters occurring in a wet tropical environment is flood influenced by the climatic factor of rainfall with high intensity. Flood is the most frequent catastrophe in Kuala Terengganu, Malaysia. The flood occurs during the monsoon season inundating riverbank and displacing the inhabitant rendering them homeless. The application of the Soil Water Assessment Tool (SWAT) is employed to identify the Hydrologic Response Units (HRUs). The flood vulnerability simulation in the Terengganu sub-basins river catchment was done using the most affected sub-basins. In this study, the impacts of five out of the 25 sub-basins have been affected by high flooding risk. The sub-basin with the highest impact of Hydrologic Response Unit is the sub-basin Three and the lowest is found in sub-basin Five.