Under the urbanization context, land use/land cover (LULC) changes rapidly which affects both the probability of urban flood disaster and its consequence. In order to explore the impact of LULC changes on rainstorm flood disaster risk in the future, a framework of rainstorm flood disaster risk assessment is constructed from natural‐social perspective through LULC simulation based on the patch‐generating land use simulation (PLUS) model in this study. Specifically, the spatial LULC under three future development scenarios (inertia development scenario, economic priority scenario and sustainable development scenario) for the year 2030 is simulated, and then assessment model of rainstorm flood disaster risk is constructed through obtaining inundation depth and social vulnerability based on simulated LULC. Jingdezhen City in China is selected as an example. The results show that proposed risk assessment framework based on PLUS model can be used to detect the risk changes in different development scenarios. The risk of urban rainstorm flood disaster under economic priority scenario is most severe and risk under the sustainable development scenario is the lowest under the same return period rainstorm. Under the sustainable development scenario, green land including forest land, grassland and open water increases, which reduces the surface runoff and decrease the risk of rainstorm flood disaster effectively, however the reduction is limited with the greater rainstorm return period. Therefore, adaptive measures should be implemented together with land use planning to prevent and control urban flood risk. This study provides a framework to predict the future risk of urban rainstorm flood under different development scenarios, which can support for flood disaster risk prevention and urban sustainable development.