The frequent occurrence of urban waterlogging constantly affects resident living and urban construction. Improved adaptive prevention and control strategies are highly requested due to huge economic losses and casualties caused by flood and waterlogging in China. The urban waterlogging may evolve into a serious emergency, generally characterized by high complexity, uncertainty, and time pressure. Coupled with the asymmetric information, waterlogging often exacerbates the impact of urban rainstorm disasters. Through the multi-agent system simulation with given geographic information, government and residents interact under dynamic risk distribution in rainstorm disaster. The results show that the proactive attitude of residents and the government towards disaster relief could have a promoting effect for both, thereby increasing the disaster relief efficiency. Obviously, rapid accurate information collection and analysis facilitate disaster relief to a large extent. Meanwhile, appropriate supply rather than excessive supply may mobilize residents’ self-help and balance replenishment of relief supplies.