My insurance company did bring up flood insurance when I was purchasing my homeowners insurance policy, but given where I live, and how my house is situated, I declined. It may have been the federal plan, but they did bring it up.

My cousin, who lives in the San Fernando Valley, did have earthquake insurance to do the home repairs from the last big one they had.

I know when I got my mortgage there were certain conditions they wanted and adequate insurance was one. Title insurance was one - and they did a title inspection before providing that insurance. I would imagine that for most people, and it would just be idiotic for one not to continue to have that coverage just because they no longer had a mortgage.