Abstract: This research is an assessment of the effects of river bank erosion on houses in Ilorin, Kwara State, Nigeria. Data were generated through direct field exercises. Such data were on the competence and capability of a river, physical characteristics of soil in the local environment, distances between the houses and river banks and the distances between the houses. These data were subjected to statistical methods of analyses. The following results were therefore, observed: the bulk of the soil in the local environment is loose in disposition and thus susceptible to the forces of erosion, the force of river`s competence and capability considerably explains the qualities of the river`s evorsion process, houses are randomly distributed but with most of them appearing linearly along the water course, distances between houses and rivers banks are short and thus most of the houses are often embarrassed by floods and people often lost both their lives and properties when the river is in floods. This study further suggests environmental education on flood management and the evaluation of a policy of resettlement scheme for flood prone areas.