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Urban flooding is recognized as a nature-driven disaster shaped by inherent factors such as climate, morphology, and hydrology, affecting vulnerability and flood exposure. While these factors play a paramount role, significant psychosocial intricate drivers are acknowledged, though they are challenging for prediction and assessment. This study delves into these drivers in a specific context, aiming to draw conclusions that extend beyond. It undertakes a comprehensive approach, integrating cloud-based Radar flood detection, analysis of flood causation patterns, and geostatistical analysis of a social survey based on cross-synthesis, contingency analysis, and structural equation modeling. In particular, we characterize the case of the coastal city of Tetouan in Morocco, which is representative in its environmental and socioeconomic settings to most cities in North Africa. It unraveled the nuanced interplay of psychosocial, economic, and territorial dynamics influencing flood exposure. The findings reveal how watershed location molds unique environmental exposures, steering nuanced, emotional, and behavioral responses among residents. Gender and education differentials reveal diverse perceptions and awareness of flood risks. Psychosocial intricacies come to the forefront, portraying education, income, and awareness as crucial mediators influencing cognitive and affective responses. Elevated education, increased income, and heightened awareness correlate with heightened perception and coping strategies. Findings reveal that risk perception significantly and differently influences risk acceptance, coping, and aversion through an array of identified key factors influencing coping strategies, mediating elements in flood damage relationships, and underscoring the pivotal role of perception in shaping responses to risk. Moreover, it found that lower risk acceptance leads to higher coping and aversion, and the latter positively affects coping, indicating that acceptance reduces the motivation to avoid the risk and decreases the willingness to adopt coping strategies to reduce the exposure. The outcomes carry critical implications for comprehending individual and collective social behaviors, informing strategies, and mitigating flood risk that apply at a wider context. It accentuates the inadequacy of relying solely on structural engineering for risk management, citing spatial constraints, misinformation, and lapses in prior-risk memory as compounding exposure challenges. This recognition catalyzes action, advocating tailored awareness campaigns, educational initiatives, and capacity-building programs, spotlighting the need for heightened individual profiles to enhance social understanding, engagement, and resilience. We anticipate profound insights, fostering a richer comprehension of urban flooding complexities and informing adaptive strategies on a broader scale., Competing Interests: Declaration of competing interest The authors declare that they have no known competing financial interests or personal relationships that could have appeared to influence the work reported in this paper., (Copyright © 2024 Elsevier B.V. All rights reserved.)