In mid May 2014, BiH and Croatia experienced the greatest flooding in the last 120 years during which some 1.5 million people were affected. In BiH, the first to bear the burden were local communities, civil society and activists who were expected to fill the role of the dysfunctional state in which public accountability meant nothing. In Croatia, the floods have not been so devastating like in BiH, except in the eastern parts of the country. However, although less dramatic, they have unfolded the lack of efficiency of accountable institutions and severe coordination deficits that have disabled sound crisis management and decreased resilience capacity of the flooded communities. This part of the study involved two BiH towns: Maglaj and Šamac in which different scales of organized/institutionalized civil society and different models of governance structure in dealing with the floods were analyzed. In addition, it was looked at how communities responded to flood crisis searching for informal social networks that proved to be more resilient, efficient or quicker than the respective accountable institutions. In assessing flood governance and public accountability between the state, NGOs and emerging solidarity networks we looked at the micro-level of local communities or condominium owners’ association in each building and the meso-level either in the non-governmental sector (NGO), municipality or different political parties and their overall perception of public accountability including the macro-level.