I am just starting my home inspection studies and I sort of use my personal residence when applying my studies.
I absolutely cannot find the main shut-off to save my life. I live in Florida - no basement or crawlspace. I looked all around outside the home especially by the breaker panel. I looked on the ground by the street for that green circular cover. I checked inside the city’s meter at the street to see if my valve was inside there. Nothing!
I recently had work done to the home and they had to turn the water off at the street because they couldn’t find it either. Granted, my home was built in the '40’s, but is it possible I don’t have one?
It is possible, especially with older homes. There will always be a shutoff at the meter (I have never seen one without a stop) usually in the form of a stop ****. If this is your only shutoff, make sure that you have a way turn it off. If you can’t operate it with a wrench or pliers, get a meter key for emergencies.