With the acceleration of urbanization and the increased frequency of extreme rainfall events, flooding has emerged as one of the most serious natural disaster problems, particularly affecting riparian cities. This study conducted a flooding risk assessment and an analysis of the driving factors behind flood disasters in the Songhua River Basin utilizing an improved Soil Conservation Service Curve Number (SCS-CN) model. First, the model was improved by slope adjustments and effective precipitation coefficient correction, with its performance evaluated using the Nash–Sutcliffe efficiency coefficient (NSE) and the Root Mean Square Error (RMSE). Second, flood risk mapping was performed based on the improved model, and the distribution characteristics of the flooding risk were analyzed. Additionally, the Geographical Detector (GD), a spatial statistical method for detecting factor interactions, was employed to explore the influence of natural, economic, and social factors on flooding risk using factor detection and interaction detection methods. The results demonstrated that the improvements to the SCS-CN model encompassed two key aspects: (1) the optimization of the CN value through slope correction, resulting in an optimized CN value of 50.13, and (2) the introduction of a new parameter, the effective precipitation coefficient, calculated based on rainfall intensity and the static infiltration rate, with a value of 0.67. Compared to the original model (NSE = 0.71, rRMSE = 19.96), the improved model exhibited a higher prediction accuracy (NSE = 0.82, rRMSE = 15.88). The flood risk was categorized into five levels based on submersion depth: waterlogged areas, low-risk areas, medium-risk areas, high-risk areas, and extreme-risk areas. In terms of land use, the proportions of high-risk and extreme-risk areas were ranked as follows: water > wetland > cropland > grassland > shrub > forests, with man-made surfaces exacerbating flood risks. Yilan (39.41%) and Fangzheng (31.12%) faced higher flood risks, whereas the A-cheng district (6.4%) and Shuangcheng city (9.4%) had lower flood risks. Factor detection results from the GD revealed that river networks (0.404) were the most significant driver of flooding, followed by the Digital Elevation Model (DEM) (0.35) and the Normalized Difference Vegetation Index (NDVI) (0.327). The explanatory power of natural factors was found to be greater than that of economic and social factors. Interaction detection indicated that interactions between factors had a more significant impact on flooding than individual factors alone, with the highest explanatory power for flood risk observed in the interaction between annual precipitation and DEM (q = 0.762). These findings provide critical insights for understanding the spatial drivers of flood disasters and offer valuable references for disaster prevention and mitigation strategies.