As smart cities are becoming hubs of technological innovations, less focus has been there on how the urban citizens are dealing with learning capabilities when they face crisis. Given that cities are increasingly confronted with disruptions caused by climate events, health crises, and systemic failures, the ability of residents to adapt and learn during these periods is important for the long-term sustainability of urban environments. This study evaluated how digital education frameworks contribute to improve Crisis-Resilient Learning Readiness (CRLR) among urban residents by investigating the relationships between the accessibility of digital infrastructure, the effectiveness of educational platforms, individual levels of digital confidence, institutional trust, and actions taken for emergency preparedness. The research utilized a survey instrument including 487 participants belonging to three smart cities. By applying SEM technique, we analyzed the relationships among digital infrastructure access, platform effectiveness perceptions, digital confidence levels, governmental trust and their collective impact on CRLR and preparedness actions. The results of this study indicate that digital confidence and perceptions of platform effectiveness are the substantial predictors of CRLR, which in order affects preparedness actions. Access to infrastructure and CRLR were mediated by government trust, while the relationship between confidence and CRLR has been affected by socioeconomic indicators. We present the empirically validated CRLR framework, which widens the scope of smart city research to include citizen-centered sustainable learning strategies, and also to provide evidence-based recommendations for the development of resilient educational systems in urban settings.