Understanding the hydrological surface condition changes, climate change and their combined impacts on flood runoff are critical for comprehending the hydrology under environmental changes and for solving future flood management challenges. This study was designed to examine the relative contributions of the hydrological surface condition changes and climate change in the flood runoff of a 45,421-km² watershed in the Loess Plateau region. Statistical analytical methods, including Kendall’s trend test, the Theisen median trend analysis, and cumulative anomaly method, were used to detect trends in the relationship between the climatic variables, the normalized difference vegetation index (NDVI), land use/cover change (LUCC) data, and observed flood runoff. A grid-cell distributed rainfall–runoff model was used to detect the quantitative hydrologic responses to the climatic variability and land-use change. We found that climatic variables were not statistically significantly different (p > 0.05) over the study period. From 1985 to 2013, the cropland area continued to decrease, while the forest land, pastures, and residential areas increased in the Jinghe River Basin. Affected by LUCC and climate change, the peak discharges and flood volumes decreased by 8–22% and 5–67%, respectively. This study can provide a reference for future land-use planning and flood runoff control policy formulation and for revision in the study area.

Human activities and climate change have significantly influenced the water cycle, impacting flood risks and water security. This study centers on the Jing River Basin in the Chinese Loess Plateau, analyzing hydrological patterns and flood progression using the HEC-HMS model under changing conditions. The findings indicate that climate change substantially affects flood predictions, increasing peak flows and volumes by up to 10.9% and 11.1%, respectively. It is essential to recognize that traditional flood models may underestimate the risks posed by these changes, emphasizing the necessity for updated methods incorporating climatic and human factors. Changes in land use, such as the expansion of grasslands and forests, have reduced peak discharges and flood volumes. Consequently, the combined impacts of climate and land use changes have intensified flood frequencies, necessitating updated strategies to manage risks effectively. The dynamics of flooding are significantly impacted by changes in climate and land use, particularly in minor floods that occur frequently, highlighting the influence of climate change on flooding trends. Within the Jing River Basin, hydrological patterns have been shaped by both climatic variations and human activities, leading to an increase in extreme hydrological events and concerns regarding water security. Using the HEC-HMS model, this study examines the hydrology of the Jing River Basin, focusing on the design of storm events and analyzing various flood characteristics under different scenarios. Climate change has resulted in higher peak discharges and volume surges ranging from 6.3% to 10.9%, while shifts in land use, such as decreases in farmland and the expansion of grasslands, have caused declines ranging from 7.2% to 4.7% in peak flows and volumes. The combined effects of climate variation and land utilization have complex implications for flood patterns, with milder to moderate floods showing a more significant impact and shorter return periods facing increased consequences. These findings underscore the interconnected nature of climate change, land use, and flooding dynamics in the Jing River Basin, highlighting the need for comprehensive strategies to address these challenges and ensure sustainable water management in the region.