With the progression of climate change, the intensity and frequency of extreme rainfall have increased in many parts of the world, while the continuous acceleration of urbanization has made cities more vulnerable to floods. In order to effectively estimate and assess the risks brought by flood disasters, this paper proposes a regional flood disaster risk assessment model combining emergy theory and the cloud model. The emergy theory can measure many kinds of hazardous factor and convert them into unified solar emergy (sej) for quantification. The cloud model can transform the uncertainty in flood risk assessment into certainty in an appropriate way, making the urban flood risk assessment more accurate and effective. In this study, the flood risk assessment model combines the advantages of the two research methods to establish a natural and social dual flood risk assessment system. Based on this, the risk assessment system of the flood hazard cloud model is established. This model was used in a flood disaster risk assessment, and the risk level was divided into five levels: very low risk, low risk, medium risk, high risk, and very high risk. Flood hazard risk results were obtained by using the entropy weight method and fuzzy transformation method. As an example for the application of this model, this paper focuses on the Anyang region which has a typical continental monsoon climate. The results show that the Anyang region has a serious flood disaster threat. Within this region, Linzhou County and Anyang County have very high levels of risk for flood disaster, while Hua County, Neihuang County, Wenfeng District and Beiguan District have high levels of risk for flood disaster. These areas are the core urban areas and the economic center of local administrative regions, with 70% of the industrial clusters being situated in these regions. Only with the coordinated development of regional flood control planning, economy, and population, and reductions in the uncertainty of existing flood control and drainage facilities can the sustainable, healthy and stable development of the region be maintained.