Urban Chaos immerses players in a dynamic urban environment filled with challenges and action. Set in a gritty cityscape at the turn of the millennium, players can choose between two distinct characters: D'arci Stern, a skilled female cop, or Roger McIntyre, a shadowy ex-soldier. Each character offers a unique gameplay experience with varying abilities and combat styles. The game emphasizes player freedom, allowing exploration of the city while engaging in a variety of missions that involve stealth, agility, and martial arts skills.

The gameplay is rich with diverse combat options, including hand-to-hand fighting and heavy weapon confrontations. Players can also engage in thrilling vehicle chases using an array of vehicles such as police cars and vans. As players navigate the unfolding plot revolving around a sinister cult, they are challenged to adapt their strategies in a world that is both unpredictable and filled with danger.