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Buildings crossing active faults often suffer severe damage due to fault dislocation during direct-type urban earthquakes. This study employs physical model tests to systematically investigate the dynamic response mechanisms of the integrated "surface rupture zone-overburden-foundation-superstructure" system subjected to bedrock dislocation. A testing apparatus capable of simulating reverse faults with adjustable dip angles (45° and 70°) was developed. Using both sand and clay as representative overburden materials, the experiments simulated the processes of surface rupture evolution, foundation deformation, and structural response under varying fault dislocation magnitudes. Results indicate that the fault rupture pattern is governed by the bedrock dislocation magnitude, soil type, and fault dip angle. The failure process can be categorized into three distinct stages: initial rupture, rupture propagation, and rupture penetration. The severity and progression of structural damage are primarily determined by the building's location relative to the fault trace. Structures located entirely on the hanging wall exhibited tilting angles that remained below the specified code limit throughout the dislocation process, demonstrating behavior dominated by rigid-body translation. In contrast, buildings crossing the fault exceeded this limit even at low dislocation levels, developing significant tilt and strain concentration due to differential foundation settlement. The most severe damage occurred in high-angle dip sand sites, where the maximum structural tilt reached 5.5°. This research elucidates the phased evolution of seismic damage in straddle-fault structures, providing experimental evidence and theoretical support for the seismic design of buildings in near-fault regions. The principal theoretical and methodological contributions are (1) developing a systematic "fault-soil-structure" testing methodology that reveals the propagation of fault dislocation through the system; (2) clarifying the distinct failure mechanisms between straddle-fault and hanging-wall structures, providing a quantitative basis for targeted seismic design; and (3) quantifying the controlling influence of fault dip angle and soil type combinations on structural damage severity, identifying high-angle dip sand sites as the most critical scenario.