Sediment-laden seawater (1.4 kg/m³) under controlled flow velocities (1.5 m/s and 3.0 m/s) was employed to evaluate degradation mechanisms in static anti-fouling coatings. Exposure to 1.5 m/s sediment-laden flow induced a 49% reduction in adhesion strength, a 4.9–5.2° decrease in water contact angle, and an elevation in surface roughness from 0.32 μm to 0.88 μm after 30 days. Concurrently, antibacterial rate and anti-algal rate declined by 11.9% and 14.6%, respectively. In comparison, pure seawater scouring at equivalent velocity reduced adhesion by 30% and contact angle by merely 1.1°. Low-flow (1.5 m/s) conditions accelerated abrasive wear, driving severe surface roughening, whereas higher flow velocity (3.0 m/s) disrupted sustained particle–coating contact through turbulence generation, attenuating roughness progression. Crucially, low-flow conditions intensified abrasive wear and promoted severe surface roughening, whereas higher flow velocities generated sufficient turbulence to disrupt sustained particle–coating contact, thereby slowing the progression of roughness. These findings reveal a previously unrecognized, flow-velocity-dependent erosion mechanism: lower velocities encourage particle deposition and progressive surface damage, while higher velocities unexpectedly produce a protective, turbulence-mediated buffering effect that mitigates surface roughening. These findings establish a theoretical foundation for developing advanced anti-fouling coatings with enhanced resistance to sediment erosion.