This depends on whether or not the property is located in a flood zone as defined by FEMA. During the loan process the lender must insure that your property is not located in a 'Special Flood Hazard Area' or SHFA.

The VA guidelines are clear on this  - You need flood insurance if you are in a flood zone

“The lender is responsible for ensuring that flood insurance is obtained and maintained on any building or personal property that secures a VA loan if the property is located in a special flood hazard area (SFHA), as identified by the Federal Emergency Management Agency (FEMA).”

So how does a lender determine this? By ordering a 'flood cert' from any number of vendors with access to FEMA maps. Your lender will do this for you. For a small charge of around $20 (paid when you close), the lender can determine the danger of a home flooding almost anywhere in the country and this information is used to determine the insurance premium.

You can obtain flood insurance through the National Flood Insurance Program (https://www.floodsmart.gov/floodsmart/pages/choose_your_policy/agent_locator.jsp) by visiting their site, entering your zip code, and selecting an agent. They will send you a quote within minutes and you will be covered!

Flood insurance is required to protect you and the lender.