Resilience is a key term in disaster economic loss assessment. The flood loss rates in different scenarios for the residence, industry, commerce, infrastructure, and agriculture are calculated, and the original depth-damage curves are drawn by collecting the socioeconomic data of Lizhong Town in Lixia River and Houbai Town in Jurong River. Thereafter, by fully considering the resilience factor to draw the new depth-economic loss curves, which are in line with the actual situation, the results show: (1) the disaster reduction capability correction loss rate of different receptors in Lizhong Town is in the range of 1674 %, and in Houbai Town is in the range of 2079 %. The residential flood loss, commercial loss, infrastructure loss, and industry loss were reduced by 74, 54.8, 38, and 16 %, respectively, in Lizhong Town, and the residential flood loss, commercial loss, and & Xianhua Wu industry loss were reduced by 79, 60, and 20 %, respectively in Houbai Town. (2) Residential property types and their display heights in families with different income levels have similar flood-damage rate curves in mainland China and Taiwan (Su et al. in Flood damage assessment and related database Implementation for KeeLung River Basin (II), Special research report of National Science Council, Taiwan, 2002); (3) the loss rate reached the maximum at the depth of 3 m, and the sum of the five receptors damage is 6.98 million Yuan (RMB) and 2.2 million Yuan (RMB) in Lizhong Town and Houbai Town, respectively. At last, in this paper, several approaches to improving resilience were proposed and possibilities in future researches were put forward. This study is a useful complement to flood economic loss evaluation literature and provides reference for disaster prevention and mitigation decisions in similar areas.