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This depends, in large part, on whether or not your lending agency requires it. If you are renting you can get flood insurance to cover the contents of your home or business. Below is a link to the National Flood Insurance Program where you can find additional information.
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The Federal Emergency Management Agency (FEMA) provides the official maps that show if a property is located within a floodplain; and if so, which category of floodplain that particular property is within. Click in the following link to be directed to FEMA's website where you can type in a property address to see if it is within the floodplain.
The National Flood Insurance Program (NFIP) contracts with private insurance companies to provide flood insurance. Click on the link below to be directed to the NFIP website where a list of these companies can be found.