Urban flooding is a growing concern, particularly in coastal lowland cities where climate change exacerbates hazards through rising sea levels and intense rainfall. Traditional flood defenses like fluvial polders often exacerbate urban fragmentation and maintenance costs if poorly integrated into planning. This study proposes a multifunctional assessment design framework to evaluate polder design effectiveness considering both the hydraulic and social–environmental dimensions, emphasizing blue–green infrastructure (BGI) for flood control, leisure, and landscape integration. Three design scenarios for Rio de Janeiro’s Jardim Maravilha neighborhood were modeled hydrodynamically: S1 (dike near urban areas, pump-dependent) and S2/S3 (dikes along the riverbank, gravity-driven). Results show S2/S3 outperformed S1 in storage capacity (2.7× larger volume), freeboard resilience (0.42–0.43 m vs. 0.25 m), and urban integration (floodable parks accessible to communities), though S1 had faster reservoir emptying. Under climate change, all scenarios sustained functionality, but S1’s freeboard reduced by 86%, nearing its limit. The framework’s standardized scoring system balanced quantitative and qualitative criteria, revealing trade-offs between hydraulic efficiency and urban adaptability. The optimized S3 design, incorporating external storage and dredging, achieved the best compromise. This approach aids decision-making by systematically evaluating resilience, operational feasibility, and long-term climate adaptation, supporting sustainable flood infrastructure in coastal cities.