Physical Environment: regular flooding. Urban growth was mainly to blame for this as the rapid growth has removed many green areas in the city. 5 rivers flow through Mumbai = limited room to expand. Because of this, many new developments have been built on floodplains.Slum areas are more vulnerable to floods, as they are poorly constructed houses and are often built on floodplains. e.g. 70% of Mithi River's embankments are occupied by informal settlements.