This research employs the maximum entropy (MaxEnt) model alongside game theory, integrated with an extensive framework of natural disaster risk management theory, to conduct a thorough analysis of the indicator factors related to urban flooding. This study conducts an assessment of the risks associated with urban flooding disasters using Changchun city as a case study. The validation outcomes pertaining to urban flooding hotspots reveal that 88.66% of the identified flooding sites are situated within areas classified as high-risk and very high-risk. This finding is considered to be more reliable and justifiable when contrasted with the 77.73% assessment results derived from the MaxEnt model. Utilizing the methodology of exploratory spatial data analysis (ESDA), this study applies both global and local spatial autocorrelation to investigate the disparities in the spatial patterns of flood risk within Changchun. This study concludes that urban flooding occurs primarily in the city center of Changchun and shows a significant agglomeration effect. The region is economically developed, with a high concentration of buildings and a high percentage of impervious surfaces. The Receiver Operating Characteristic (ROC) curve demonstrates that the MaxEnt model achieves an accuracy of 90.3%. On this basis, the contribution of each indicator is analyzed and ranked using the MaxEnt model. The primary determinants affecting urban flooding in Changchun are identified as impervious surfaces, population density, drainage density, maximum daily precipitation, and the Normalized Difference Vegetation Index (NDVI), with respective contributions of 20.6%, 18.1%, 13.1%, 9.6%, and 8.5%. This research offers a scientific basis for solving the urban flooding problem in Changchun city, as well as a theoretical reference for early warnings for urban disaster, and is conducive to the realization of sustainable urban development.