In this work, 9-methyl pyrido[3,4-b]indole-boron trifluoride complex, 9-MP-BF₃, was designed and developed as a colorimetric and ratiometric fluorescent sensor for the detection of water in the low- and high-water-content regions in solvents. In the low-water-content region, a new photoabsorption band at around 360 nm and a fluorescence band at around 370 nm gradually appeared due to the dissociation of 9-MP-BF₃ into 9-methyl pyrido[3,4-b]indole (9-MP) by water molecules with a simultaneous decrease in the photoabsorption band at around 390 nm and the fluorescence band at around 460 nm originating from 9-MP-BF₃. In the moderate-water-content region, the photoabsorption band at around 360 nm and the fluorescence band at around 370 nm gradually shifted to a longer wavelength region with an increase in the fluorescence intensity, which could be ascribed to the formation of a hydrogen-bonded complex (9-MP-H₂O) with water molecules. Furthermore, in the high-water-content region, two photoabsorption bands at around 305 nm and 390 nm and one fluorescence band at around 460 nm gradually reappeared with simultaneous decrease in the photoabsorption band at around 290 nm and the fluorescence band at around 370 nm, which was attributed to the formation of a hydrogen-bonded proton transfer complex (9-MP-H+) with water molecules. Thus, this work revealed the mechanism of a colorimetric and ratiometric fluorescent sensor based on pyrido[3,4-b]indole-boron trifluoride complex for the detection of water over a wide range from low water content to high water content in solvents.