Would you consider buying a home from a Virtual Tour without touring the home in person?

Absolutely! If you trust your Real Estate Agent you can make any kind of purchase. Of your Agent is qualified, they will take every step of the process to make sure you are seeing it all amd aware of it all prior to buying the property. Trusting your Agent is everything so always know who will represent you in every transaction.

Is there any way to check records to see if a house has flooded previously? Other than the SD

Absolutely! Try www.Fema.gov/flood-maps and check with Insurance and previous SD from previous sales.

A husband mentioned to me that he wants to surprise his wife with a home. Is it required that she be on the contract although the wife will sign on the deed and other paperwork at the Title company?

Assuming they are in good stands with the financial aspect of it and he is pre-qualified, it could be just him on the offer/contract and let Title Company know as soon as they open file, that she will be added to Title (prior to closing). Good Luck!