Our home insurance

I was checking my banking stuff online and saw the insurance for both vehicles were paid for the month of February.  Out of the blue, I was wondering whatever happened to our home insurance.  Is DB paying it every month, which he didn’t tell me about it?  I asked him over dinner last night and came to find out the home insurance is added into the mortgage.  We are paying a little more on mortgage but we don’t have to worry about the additional bill we have to pay every month.  My only other question is, do we have flood insurance?  DB said no coz our home is not situated in a flood zone.  Hhmmm, but you never know…..