Global warming is profoundly impacting snowmelt runoff processes in seasonal freeze-thaw zones, thereby altering the risk of rain-on-snow (ROS) floods. These changes not only affect the frequency of floods but also alter the allocation of water resources, which has implications for agriculture and other key economic sectors. While these risks present a significant threat to our lives and economies, the risk of ROS floods triggered by climate change has not received the attention it deserves. Therefore, we chose Changbai Mountain, a water tower in a high-latitude cold zone, as a typical study area. The semi-distributed hydrological model SWAT is coupled with CMIP6 meteorological data, and four shared socioeconomic pathways (SSP126, SSP245, SSP370, and SSP585) are selected after bias correction, thus quantifying the impacts of climate change on hydrological processes in the Changbai Mountain region as well as future evolution of the ROS flood risk. The results indicate that: (1) Under future climate change scenarios, snowmelt in most areas of the Changbai Mountains decreases. The annual average snowmelt under SSP126, SSP245, SSP370, and SSP585 is projected to be 148.65 mm, 135.63 mm, 123.44 mm, and 116.5 mm, respectively. The onset of snowmelt is projected to advance in the future. Specifically, in the Songhua River (SR) and Yalu River (YR) regions, the start of snowmelt is expected to advance by 1–11 days. Spatially, significant reductions in snowmelt were observed in both the central part of the watershed and the lower reaches of the river under SSP585 scenario. (2) In 2021–2060, the frequency of ROS floods decreases sequentially for different scenarios, with SSP 126 > SSP 245 > SSP 370 > SSP 585. The frequency increments of ROS floods in the source area for the four scenarios were 0.12 days/year, 0.1 d/yr, 0.13 days/year, and 0.15 days/year, respectively. The frequency of high-elevation ROS events increases in the YR in the low emission scenario. Conversely, in high emission scenarios, YR high-elevation ROS events will only increase in 2061–2100. This phenomenon is more pronounced in the Tumen River (TR), where floods become more frequent with increasing elevation.
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