Psychological preparedness plays a critical role in disaster response, yet it remains underexplored among persons with disabilities, particularly in hazard-prone contexts. This study examines how psychological preparedness is manifested among persons with disabilities in the Special Region of Yogyakarta, Indonesia. Using a qualitative approach, data were collected through in-depth interviews and focus group discussions with ten participants representing diverse disability types and preparedness levels. Analysis reveals that psychological preparedness is not a fixed attribute but a dynamic spectrum shaped by the interaction of personal capacities, social relationships, and institutional contexts. Participants with higher preparedness demonstrated stronger self-efficacy, emotional regulation, and anticipatory decision-making, while moderate preparedness reflected a transitional state between risk awareness and consistent action. Lower preparedness was characterized by reactive responses and reliance on external guidance, often in the absence of inclusive institutional support. These variations indicate that disability alone does not determine preparedness; rather, preparedness develops through lived experience, relational support, and opportunities for meaningful participation. The findings underscore the importance of multi-level approaches to disaster risk reduction that move beyond individual awareness and address social and structural conditions enabling persons with disabilities to act as active agents in disaster preparedness.