“If you don’t live in an area prone to flooding, tornadoes, or hurricanes, then you probably aren’t required to carry wind or flood insurance.”
But not multiple policies.
I’m not sure what you mean. You might have “one policy” with different types of insurance as riders on that policy. Or they may put multiple types of insurance under one “umbrella policy”. Or you may not be required to have anything more than simple homeowner’s insurance. Things vary by locality and also by how the particular insurance company you are using decides to handle things.