The application of human-artificial intelligence (AI) integrated intelligent decision-making in emergency management has expanded significantly with advancements in AI, particularly in addressing complex scenarios such as flood disasters. However, subcultural cognitive differences critically influence the decision-making processes within such hybrid systems. Focusing on flood rescue operations, this study investigates the mechanisms through which subcultural disparities affect human-AI collaborative decision frameworks. While the integration of human intelligence (HI) and AI enhances system adaptability in uncertain environments, variations in decision priorities, risk assessments, and solution selection rooted in subcultural contexts may compromise the efficiency and effectiveness of cross-cultural emergency responses. By developing a simulation model, this research quantitatively analyzes the impact of subcultural differences on decision outcomes and proposes optimization strategies for human-AI systems. The findings contribute both theoretical frameworks and practical method to inform future cross-cultural emergency management research.