We aim to investigate the association between bone mineral density (BMD) measurement, and fragility fractures, and assess the predictive value of combining BMD measurement and frailty for fracture risk assessment. This retrospective cohort study analyzed data from 5,126 rural Koreans in the Chungju Metabolic Disease Cohort study. Frailty was defined using Fried's frailty phenotype. Fractures were assessed via structured medical interviews. Adjusted odds ratios (OR) were calculated considering age, sex, BMI, behavior, BMD, handgrip strength, medications, and comorbidities. The study cohort consisted of 5,126 participants, comprising 1955 (38.1%) males and 3171 (61.9%) females. Osteoporosis significantly increased fracture risk across all types except vertebral fracture, with adjusted OR (95% confidence interval, CI) of 1.89 (1.23-3.47) for any fracture, 2.05 (1.37-2.98) for hip fracture, 2.18 (1.06-4.50) for other fracture, and 1.71 (1.03-3.63) for MOF. Frail individuals exhibited significantly increased risk for both any fracture (OR 2.12, 95% CI, 1.21-3.71), vertebral fracture (2.48,1.84-3.61), hip fracture (2.52, 1.09-3.21), other fracture (2.82, 1.19-8.53), and MOF (1.87, 1.01-3.47). The combination of frailty and BMD further increased risks, with frail individuals demonstrating elevated ORs across BMD categories. In subgroup analyses, men showed significant association between frailty with osteoporosis in hip fracture and MOF. Frail women with osteoporosis exhibited the highest risks for all fractures, particularly vertebral (OR 5.12, 95% CI 2.07-9.68) and MOF (OR 5.19, 95% CI 2.07-6.61). Age-specific analysis revealed that individuals aged 70 and older exhibited markedly higher fracture risks compared to those under 70. The combination of frailty and low BMD further elevated fracture risk. Frailty was applied with BMD and demonstrated superior risk prediction for MOF compared to that with either score alone (AUC 0.825, P = 0.000). Combining frailty with BMD provides a more accurate fracture risk assessment for individuals over 50 years.