Terraces of the Yellow River are among the most crucial geomorphological landforms pertaining to human survival on the Loess Plateau. After more than half a century of surface flood irrigation, rapid rises in groundwater levels have led to frequent geological disasters, causing a rapid short-term evolution of Yellow River terraces, and an increasingly serious contradiction between this rapid evolution and human survival. However, the process by which water transfers through the thick loess vadose zone and causes a rapid groundwater response within months or years remains controversial. Using the Heitai platform of Yellow River terrace IV as an example, we found, on the basis of regional geological surveys, that at least 112 tectonically-induced cracks have developed in this area. We contend that the superimposed effects of earthquake ground motions from historical and ancient earthquakes since the Late Pleistocene have driven the development of such densely distributed cracks in the loess layer. These cracks, together with a series of fault planes generated by NE-directed extrusive stress at the regional scale, constitute a potential network of preferential channels for water transport within the Heitai platform. Combined with the results of a large-scale in situ ponding test and electrical resistivity tomography, we found that this network of cracks helps to establish catchment areas within the loess layer, thereby increasing soil saturation at a more extensive spatial scale, which may then increase the overall movement velocity of the wetting front. We semi-quantified the efficiency of the crack network in enhancing the recharge of surface water to groundwater, and suggested that the impact of human and tectonic activities substantially shortens the response time of groundwater to surface water, with the reduced time far exceeding one order of magnitude. The results of a field investigation of structural traces and terrace groundwater after the Ms 6.2 Jishishan earthquake on 18 December 2023 further emphasize that a causal mechanism of human and tectonic activities leading to the rapid short-term evolution of groundwater distribution patterns may be universally applicable to all Yellow River terraces on the Loess Plateau. This study mitigates the long-standing controversy concerning the mode of surface water infiltration, including piston flow and preferential flow, and the infiltration medium by which rapid surface water recharge to groundwater occurs in loess areas over short time periods.