The research intends to examine the adaptation and coping mechanisms of flood-affected households in the Teesta River Basin. A mixed-methods approach was employed, combining structured questionnaires, geographic information system, Pearson correlation, and a logistic regression model to examine the associations between socioeconomic characteristics and households’ coping and adaptation mechanisms. Survey data from 200 participants were analyzed to gain insight into the challenges faced and household resilience adopted in flood-prone areas. The results show that most households (91.5%) are positioned within 1 km of the riverbank, making them highly vulnerable to floods that can inundate their homes within a day. Households utilize diverse coping strategies, including taking loans, selling assets, and relying on external aid, while key adaptation strategies include raising housing levels, constructing small dikes, preserving dry food, and securing safe water sources. The logistic regression model highlights the significant role of sociodemographic factors, such as age, gender, and income, in determining the adoption of coping strategies. The findings demonstrate the value of policymakers integrating socioeconomic considerations into disaster management strategies, fostering stakeholder collaboration, and promoting long-term initiatives that build household resilience. Future research should focus on regional variations in adaptation strategies and integrating indigenous coping mechanisms with disaster management systems.