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[Display omitted] • We develop a framework to estimate future Flood Regulation Service (FRS) dynamics. • The framework considers the joint impacts of both climate change and urbanization. • Future FRS supply–demand imbalance will continue to intensify. • Future impacts of climate change in Baiyangdian Lake Basin cannot be ignored. • Cities should actively adapt to climate change to reduce flood risks in the future. Estimating the supply–demand relationship's future dynamics and trend of Flood Regulation Service (FRS) is important for preventing flood risks and choose an appropriate future development path. Less attention has been given to assessing the future trends in this relationship under the joint influence of climate change and urbanization. This paper aims to quantify future trends in the FRS supply–demand relationship under the joint impacts of climate change and urbanization. To this end, we took the Baiyangdian Lake Basin as an example and developed a "Climate Change-Urbanization-FRS supply and demand" framework by combining future climate scenarios from the ScenarioMIP (Scenario Model Intercomparison Project) dataset and socioeconomic data from the SSPs (Shared Socioeconomic Pathways) to estimate the FRS supply and demand dynamics during the period from 2020 to 2050. The results show that the framework has a reasonable ability to estimate the FRS supply–demand relationship. The correlation coefficients between estimated supply–demand ratios and the historical values exceeded 0.9. The average FRS supply–demand ratio among the four scenarios shows a significantly downward trend between 2020 and 2050. The FRS is expected to decrease by 0.159 (36.6 %), resulting in the imbalanced area increasing from 38.3 km2 (4.1 % of the whole basin) to 11049.7 km2 (36.2 %). We believe that although urbanization is the dominant factor contributing to the intensified imbalance trend (with a contribution of 71.2 %), influences from climate change also cannot be ignored (with a contribution of 28.8 %). Therefore, adaptation actions to climate change should be actively taken to reduce urban flood risks in the future. [ABSTRACT FROM AUTHOR]