HighlightsThe effectiveness of adopting urban master plans to limit development in disaster-prone areas was empirically tested for China's Yangtze River Delta region over the past thirty years.Environmental risk modeling was conducted to estimate the cumulative scope of urban built-up land located in highly hazardous areas.Master plans, especially when the pattern of urban development shows high compliance with master plans' preservation zoning, have a significant effect on limiting development in high-risk areas.The effect of master plans was not significant in a region vulnerable to high risks from multiple environmental hazards.Locational adjustment through municipal planning may avoid large-scale property losses from unexpected environmental hazards during the rapid development phase of a city.