Not all disks or partitions are used as filesystems. A swap partition, for example, will not have a filesystem on it. Many floppies are used in a tape-drive emulating fashion, so that a tar (tape archive) or other file is written directly on the raw disk, without a filesystem. Linux boot floppies don't contain a filesystem, only the raw kernel.
Avoiding a filesystem has the advantage of making more of the disk usable, since a filesystem always has some bookkeeping overhead. It also makes the disks more easily compatible with other systems: for example, the tar file format is the same on all systems, while filesystems are different on most systems. You will quickly get used to disks without filesystems if you need them. Bootable Linux floppies also do not necessarily have a filesystem, although they may.
One reason to use raw disks is to make image copies of them. For instance, if the disk contains a partially damaged filesystem, it is a good idea to make an exact copy of it before trying to fix it, since then you can start again if your fixing breaks things even more. One way to do this is to use dd:
$ dd if=/dev/fd0H1440 of=floppy-image 2880+0 records in 2880+0 records out $ dd if=floppy-image of=/dev/fd0H1440 2880+0 records in 2880+0 records out $