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Abstract Understanding the relationship between urban form and structure and spatial inequality of property flood risk has been a longstanding challenge in urban planning and emergency management. Here we explore eight urban form and structure features to explain variability in spatial inequality of property flood risk among 2567 US counties. Using datasets related to human mobility and facility distribution, we identify notable variation in spatial inequality of property flood risk, particularly in coastline and metropolitan counties. The results reveal variations in spatial inequality of property flood risk can be explained based on principal components of development density, economic activity, and centrality and segregation. The classification and regression tree model further demonstrates how these principal components interact and form pathways that explain spatial inequality of property flood risk. The findings underscore the critical role of urban planning in mitigating flood risk inequality, offering valuable insights for crafting integrated strategies as urbanization progresses.