Driven by extreme weather events, precipitation-induced flood disasters are occurring more frequently, posing substantial threats to both economic development and public safety. Increased human production activities have further intensified the impact of flood disasters. However, understanding of the factors influencing flood disasters and their associated risk assessments remains limited. To better formulate flood prevention and disaster reduction strategies suited to local conditions, this paper takes the "7.20" extreme rainfall event in the main urban area of Zhengzhou, Henan Province, China, on July 20, 2021, as a case study and uses geographic detectors to incorporate human activities into the quantitative analysis of influencing factor contributions. Based on the three aspects of disaster incubation, disaster causation, and disaster bearing, this study proposes using the influence values obtained from geographic detectors as objective weight assignments for risk assessment, thereby conducting a locally adapted risk assessment of Zhengzhou's main urban area. Research results indicate that the "7.20" heavy rainstorm in Zhengzhou's main urban area involved a superposition of natural and human factors. Impervious surfaces had the highest explanatory power, followed by population density, confirming that this flood disaster arose from the interaction of multiple factors. The flood disaster risk assessment for Zhengzhou's main urban area shows higher risk levels in the central area and relatively lower levels in peripheral areas. The central area features flat terrain, with high population density and a large proportion of impervious surfaces. Among these, 22 subdistricts are located in extremely high-risk flood zones, while 6 subdistricts, classified as low-risk, account for over 60% of the low-risk area, making them relatively lower-risk communities. Comparison with flood waterlogging point data verifies the accuracy of the risk assessment through statistical analysis, allowing for further analysis of the spatial differentiation of flood risk. The findings of this study offer valuable insights for preventing and managing urban extreme rainfall disasters.
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