Accurate and timely risk assessment of short-term rainstorm-type flood disasters is very important for ecological environment protection and sustainable socio-economic development. Given the complexity and variability of different geographical environments and climate conditions, a single machine learning model may lead to overfitting issues in flood disaster assessment, limiting the generalization ability of such models. In order to overcome this challenge, this study proposed a short-term rainstorm flood disaster risk assessment framework under the integrated learning model, which is divided into two stages: The first stage uses microwave remote sensing images to extract flood coverage and establish disaster samples, and integrates multi-source heterogeneous data to build a flood disaster risk assessment index system. The second stage, under the constraints of Whale Optimization Algorithm (WOA), optimizes the integration of random forest (RF), support vector machine (SVM), and logistic regression (LR) base models, and then the WRSL-Short-Term Flood Risk Assessment Model is established. The experimental results show that the Area Under Curve (AUC) accuracy of the WRSL-Short-Term Flood Risk Assessment Model is 89.27%, which is 0.95%, 1.77%, 2.07%, 1.86%, and 0.47% higher than RF, SVM, LR, XGBoost, and average weight RF-SVM-LR, respectively. The accuracy evaluation metrics for accuracy, Recall, and F1 Score have improved by 5.84%, 21.50%, and 11.06%, respectively. In this paper, WRSL-Short-Term Flood Risk Assessment Model is used to carry out the risk assessment of flood and waterlogging disasters in Henan Province, and ArcGIS is used to complete the short-term rainstorm city flood and waterlogging risk map. The research results will provide a scientific assessment basis for short-term rainstorm city flood disaster risk assessment and provide technical support for regional flood control and risk management.