The urgency of addressing housing challenges in low-income areas is increasing due to widening socio-economic inequalities and the worsening impact of natural disasters. Saint Martin, a small Caribbean island, is struggling to provide affordable housing amidst hurricanes, floods, and heat waves. As a result, there has been a rise in self-organized housing units, which are built incrementally and are susceptible to risks. The main challenge is to balance durability, functionality, and esthetic appeal over time. Inspired by St. Martin’s self-organized units, this article explores housing considerations in low-income, hazard-prone contexts by emphasizing their temporalities. Integrating insights from a formative study, including a literature review and ethnographic research, the paper draws on Stewart Brand’s “Layers of Change” and the concept of “Flow”. The study identifies layers within self-organized units corresponding to durability, functionality, and esthetic appeal. It delves into their connection with building activities over time, unveiling the temporalities of housing considerations. This exploration leads to the proposition of “Designing for a Flow” as a novel design approach. Offering practical insights within a concise framework, the study provides nuanced perspectives on mitigating housing challenges in low-income and hazard-prone contexts.@en