The current characterization of flood exposure is largely based on residential location of populations; however, location of residence only partially captures the extent to which populations are exposed to flood hazards. An important, yet under-recognized aspect of flood exposure is associated with human mobility patterns and population visitation to places located in flood prone areas. In this study, we analyzed large-scale, high-resolution location-intelligence data collected from anonymous mobile phone users to characterize human mobility patterns and the resulting flood exposure in coastal counties of the United States. We developed the metric of mobility-based exposure based on dwell time in places located in the 100-year floodplain. The results of examining the extent of mobility-based flood exposure across demographic groups reveal significant disparities across race, income, and education level groups. The results show that Black and Asian, economically disadvantaged, and undereducated populations in US coastal cities are disproportionally exposed to flood due to their daily mobility activities, indicating a pattern contrary to that of residential flood exposure. The results suggest that mobility behaviors play an important role in extending flood exposure reach disproportionally among different socio-demographic groups. The results highlight that urban flood risk assessments should not only focus on the level of flood exposure to residences, but also should consider mobility-based exposure to better learn the disparities in flood exposure among social groups. Mobility-based flood exposure provides a new perspective regarding the extent to which floods could disrupt people's life activities and enable a better characterization of disparity in populations' exposure to flood hazards beyond their place of residence. The findings of this study have important implications for urban planners, flood managers, and city officials in terms of accounting for mobility-based flood exposure in flood risk management plans and actions.