To provide accurate and efficient forecasting of fluvial flooding assessment in the river basin, the present study links the well-known CA-based urban inundation modeling (2D-OFM-CA) with a one-dimensional river flow model (1D-RFM) as a coupled 1D-2D river–overland modeling. Rules to delineate the geometric linking between the 1D-RFM and 2D-OFM-CA along embankments are developed. The corresponding exchanged water volume across an embankment is then computed by using the free and submerged weir flow formulas. The applicability of the proposed coupled model on fluvial flooding assessment is then assessed and compared with a well-recognized commercial software (HEC-RAS model) through an idealized fluvial case and an extensively studied real-scale fluvial case in the Severn River Basin. Based on the simulated results concerning the numerical accuracy, the coupled model is found to give similar results in the aspects of the river flow and overland flow modeling in both two study cases, which demonstrates the effectiveness of the linking methodology between the 1D-RFM and 2D-OFM-CA. From the viewpoint of numerical efficiency, the coupled model is 47% and 41% faster than the HEC-RAS model in the two cases, respectively. The above results indicate that the coupled model can reach almost the same accuracy as the HEC-RAS model with an obvious reduction in its computational time. Hence, it is concluded that the coupled model has considerable potential to be an effective alternative for fluvial flooding assessment in the river basin.