Due to the influence of water and sediment conditions, engineering projects, channel erosion and siltation, river-related factors, and human activities (such as adjustments in floodplain production structures and village construction), there have been significant variations in the transverse gradient of the floodplain in the lower Yellow River. An irrational transverse gradient can lead to the rapid conversion of gravitational potential energy into kinetic energy during the flood evolution process, resulting in increased flow velocity and inundated areas. Exploring reasonable transverse gradients can provide technical support for floodplain management. Using “flood risk assessment” as a keyword, research papers from the Web of Science core database and CNKI published in the past five years were collected. Through a VOS viewer analysis of indicators, a flood risk assessment model based on the “Source–Path–Receptor–Consequence–Resilience” framework was established. A two-dimensional water and sediment model was used to simulate flood inundation scenarios with different transverse gradients in the same flood event, evaluate flood risks in the floodplain, and determine the optimal transverse gradient based on flood risk levels. The results indicate that, compared to low transverse gradients, moderate and high transverse gradients have a more significant driving effect on flood inundation, increasing flood risk opportunities for floodplains. Lower transverse gradients (i.e., TG = 10LG = 1.25‰) are the most favorable for flood protection in the floodplain after flood inundation.