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Study region: This study aims at the Kunhar River Basin, Pakistan, that has been facing repeated flood occurrences on a recurring basis. As the flood susceptibility of this area is high, its topographic complexity demands correct predictive modeling for strategic flood planning. Study focus: We developed a system of flood susceptibility mapping based on Geographic Information Systems (GIS), Principal Component Analysis (PCA), and Support Vector Machine (SVM) classification. Four kernel functions were applied, and the highest-performing was the Radial Basis Function (SVM-RBF). The model was validated and trained using historical flood inventories, morphometric parameters, and hydrologic variables, and feature dimensionality was reduced via PCA for increased efficiency. New hydrological insights: The SVM-RBF model recorded an AUC of 0.8341, 88.02% success, 84.97% predictability, 0.89 Kappa value, and F1-score of 0.86, all of which indicated high predictability. Error analysis yielded a PBIAS of +2.14%, indicating negligible overestimation bias but within limits acceptable in hydrological modeling. The results support the superiority of the SVM-RBF approach compared to conventional bivariate methods in modeling flood susceptibility over the complex terrain of mountains. The results can be applied in guiding evidence-based flood mitigation, land-use planning, and adaptive management in the Kunhar River Basin. © 2025 The Author(s)