针对洪水与滑坡共发问题，提出区域差异感知的灾害风险地图构建方法。

Floods and landslides often co-occur, but their relationships with environmental controls vary spatially. This study develops a spatial heterogeneity-aware framework for flood-landslide susceptibility and relative-risk mapping in Kerala, India, and Nepal. It combines 15 km x 15 km grid cells with region-specific contextual zones and compares proximity-gated cross-zone training (S1) and ecology-gated zone-constrained training (S2). S1 permits geographically nearby models to be assigned across contextual boundaries, whereas S2 restricts model development and assignment to the same zone. Random Forest models for each hazard use strategy-specific predictor sets and are evaluated on spatially held-out test samples. Susceptibility surfaces are integrated with CRITIC-weighted exposure and vulnerability indices to produce hazard-specific and nine-class bivariate relative-risk maps. S1 achieved higher mean accuracy, precision, recall, F1-score, AUC-ROC, and PR-AUC for both hazards and regions. The largest difference occurred for Nepal flood susceptibility, where AUC-ROC increased from 0.728 under S2 to 0.886 under S1 and PR-AUC from 0.512 to 0.823. S2 produced lower Brier scores for both Nepal hazards and retained zone-specific differences in predictor selection, SHAP rankings, and response patterns, particularly in Kerala. Both strategies reproduced flood-prone lowland and landslide-prone upland patterns but differed in susceptibility and risk classes. Bivariate risk-map agreement was 0.521 in Kerala and 0.711 in Nepal, with allocation disagreement exceeding quantity disagreement in all S1-S2 comparisons. Susceptibility-to-risk correspondence remained below 0.350, showing that exposure and vulnerability changed priority locations. Overall, cross-zone learning strengthens regional discrimination, while zone-constrained learning preserves environmental differences, supporting their integration.