Urban roads in China, particularly low-lying areas such as underpasses, tunnels, and culverts, are highly vulnerable to the dangers of urban pluvial flooding. We used spatial interpolation methods and limited measured data to assign elevation values to the road surface. The road network was divided into tiny squares, enabling us to calculate each square’s elevation, slope, and curvature. Statistical analysis was then employed to evaluate the impact of terrain on flood characteristics in urban road systems. Our analysis reveals a strong spatial correspondence between the distribution of flood-prone points and the curvature parameters of the terrain. The spatial coincidence rate can reach 100% when an appropriate sampling scale is chosen. The presence of depressions is necessary but insufficient for forming flood-prone points. In lowland/gentle slope (LL/GS) areas with higher drainage pressure, we observe a significant negative correlation between flood-prone points and terrain curvature (Spearman’s r = 0.205, p < 0.01). However, in highland/steep slope (HL/SS) areas, we find no significant correlation between them. Notably, terrain matters, but effective drainage is more influential in flood-prone areas. The maximum flood depth (MFD), submerged area, and ponding volume during urban pluvial flooding are constrained by depression topography, while the characteristics of the upstream catchment area also play a role in determining the MFD and flood peak lag time(FPLT). Larger upstream catchment areas and longer flow paths normally result in greater MFD and longer emergency response times/FPLT. Additionally, a higher flow path gradient will directly contribute to an increased flood risk (greater MFD and shorter FPLT). These findings have important implications for flood risk identification and the development of effective flood mitigation strategies.