Flooding is one of the most widespread and recurring natural hazards worldwide, causing significant loss of lives, property, and environmental damage. The Lower Niger River in Nigeria is especially susceptible to frequent flooding, influenced by its geomorphology, heavy rainfall, dam discharges, and proximity to major rivers. This study evaluates the spatial extent, severity, and impacts of flooding in Lokoja and Koto-Karfi Local Government Areas of Kogi State, Nigeria, during 2012, 2017, and 2022. Using a cloud-based remote sensing approach via the Google Earth Engine (GEE) platform, the research combines multi-sensor imagery from Landsat 7 and Sentinel-1 to map flood zones and examine land use/land cover (LULC) changes linked to flood events. The analysis shows that the areas affected by flooding increased enormously between the study period, with an area of 0.8 km2 in 2012, 0.5 km2 in 2017, and enormously increasing to 2.93 km2 in 2022, affecting several communities in Lokoja and Koto-Karfi Local government. LULC analysis indicated huge flood-induced changes. Vegetation in excess of 3 km2 was inundated in 2012, whereas 0.4 km2 of it was irrevocably converted into non-productive wetlands. In 2017, 5.5 km2 of vegetation was inundated in the flood episode, more than 2 km2 of the urban area was washed away, and more than 7 km2 was converted to wetlands. In 2022, the damage was worse, with more than 8.0 km2 of vegetation flooded, of which 1.2 km2 was permanently lost to wetlands. Approximately 0.5 km2 of urban areas were washed away or collapsed, and more than 6.0 km2 was converted to bare land. These findings provide valuable data on flood behaviour and environmental effects, offering useful evidence for future flood hazard zonation, early warning systems, and disaster management planning in the region.