Soil detachment capacity (Dc) is a crucial indicator for quantifying erosion intensity. However, the combined actions of freeze–thaw and water flow complicate the erosion process, leaving the variation mechanism of Dc under this condition systematically unexplored. This study examined five loess soils from a seasonal freeze–thaw area. The mechanism driving changes in Dc was quantified through freeze–thaw simulation combined with flow scouring tests, and a Dc prediction model was established. The results revealed that the shear strength (τm), cohesion (Coh), and internal friction angle (φ) in silt loam were higher than in sandy loam. After freeze–thaw cycles (FTC), τm, Coh, and φ of the five loess soils decreased by 1.02–1.37, 1.07–9.15, and 0.92–1.05 times, respectively. As FTC increased, τm and Coh gradually stabilized, while φ showed minimal fluctuation, indicating that FTC had a cumulative effect on the deterioration of soil mechanical properties. During FTC, Dc in Wuzhong sandy loam was the largest, being 1.14–3.24 times greater than in other soils, suggesting a significant main effect of soil type on Dc variation, with a contribution rate of 19.27 %. Dc eventually stabilized with increasing, indicating a critical FTC of around 10 for its impact on Dc. Compared to unfrozen soils, Dc increased by 33.69 %–102.40 % under the combined effects of freeze–thaw and water flow, clarifying that FTC aggravated soil instability. Effective stream power was the optimum hydraulic parameter, contributing the most to Dc (45.94 %). FTC (6.41 %) and initial soil moisture content (8.59 %) were less influential, as FTC initially degraded soil properties, and then the combined action with water flow intensified soil damage, causing the role of freeze–thaw factors to be obscured by other variables. A Dc prediction model using a general flow intensity index estimated well Dc, with both R2 and NSE at 0.94. Model performance comparison emphasized the need for validation when extending the application range beyond development conditions. These findings provide new insights into the detachment mechanisms of different textured soils under compound freeze–thaw and hydrodynamic influence in freeze–thaw region.