Sire
Home owners insurance should always be had on a home. FLOOD INSURANCE though is a totally different animal and home insurance do not provide that. They must get that from the GUBMINT flood insurance.....
At least that is what my understanding is.....
I do not have flood insurance as I live nowhere near any streams, creeks, low lying places, and am extremely unlikely to ever need to worry about flood waters getting into my house....
On the other hand, if I lived anywhere near a coast line, I would not be without it......
You bring up a very good point.....