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Losses from floods and the wide range of impacts have been at the forefront of hazard-triggered disasters in China. Affected by large-scale human activities and the environmental evolution, China’s defense flood situation is undergoing significant changes. This paper constructs a comprehensive flood disaster risk assessment model through systematic analysis of four key factors—hazard (H), exposure (E), susceptibility/sensitivity (S), and disaster prevention capabilities (C)—and establishes an evaluation index system. Using the Analytic Hierarchy Process (AHP), we determined indicator weights and quantified flood risk via the following formula R = H × E × V × C. After we applied this model to 16 towns in coastal Zhejiang Province, the results reveal three distinct risk tiers: low (R < 0.04), medium (0.04 ≤ R ≤ 0.1), and high (R > 0.1). High-risk areas (e.g., Longxi and Shitang towns) are primarily constrained by natural hazards and socioeconomic vulnerability, while low-risk towns benefit from a robust disaster mitigation capacity. Risk typology analysis further classifies towns into natural, social–structural, capacity-driven, or mixed profiles, providing granular insights for targeted flood management. The spatial risk distribution offers a scientific basis for optimizing flood control planning and resource allocation in the district. © 2025 by the authors.