Several European countries were affected by severe floods in 2021. At the same time, despite the deployment of vaccines, Europe was the COVID-19 pandemic's epicenter several times during 2021. One research aim of this study is to identify socio-demographic groups vulnerable to floods and whether the groups vulnerable to floods and pandemics overlap or are disjoint. We ran a survey in four languages (English, French, German, and Spanish) and collected the judgment of 366 experts in disaster risk management and first-responders to find out how those people caring for “people in need” (be it operational or administratively) think about which persons are more at risk than others. Another research aim is to validate multi-hazard vulnerability factors by comparing judgment on groups vulnerable to the COVID-19 pandemic and to floods. The main findings are that experts think that socially vulnerable groups should be rescued or treated first. Treating everyone equally is less favored by comparison. Infrastructure losses, followed by economic losses, reveal better than deaths or psychological issues whether vulnerability played a role in a disaster. Regarding vulnerability characteristics, older, homeless people, and immigrants rank highest, and most factors can be used to explain both flood and COVID-19 vulnerability, while some differ; for example, mobility impairment is less important for COVID-19. There are major discrepancies between what respondents think should be done to prioritize help to certain groups and what they have experienced is being done on the field.