In India-controlled Kashmir, at least 60 people died and 80 remain unaccounted for after a cloudburst struck Chositi village, sweeping away homes and suspending a major Hindu pilgrimage.
In Pakistan, 164 people were killed, including 78 in Buner district, while a relief helicopter crashed in bad weather, killing all five on board.
Rescuers evacuated around 1,600 stranded people from flood-hit mountainous districts in both countries.
Officials warn that more heavy rain could worsen conditions in the already devastated Himalayan and northern regions.