Urban stormwater models can be semi-distributed (SD) or fully distributed (FD). SD models are based on subcatchment units with various land use types, where rainfall is applied and runoff volumes are estimated and routed. FD models are based on the two dimensional (2D) discretization of the overland surface, which has a finer resolution with each grid-cell representing one land use type, where runoff volumes are estimated and directly routed by the 2D overland flow module. While SD models have been commonly applied in urban stormwater modeling, FD models are generally more detailed and theoretically more realistic. This paper presents a comparison between SD and FD models using two case studies in Coimbra (Portugal) and London (UK). To enable direct comparison between SD and FD setups, a model-building process is proposed and a novel sewer inlet representation is applied. SD and FD modeling results are compared against observed records in sewers and photographic records of flood events. The results suggest that FD models are more sensitive to surface storage parameters and require higher detail of the sewer network representation.