It's quite rare, but only manaphy from Generation 4 can surf in pokemon white. Pokemon black, on the other hand, is the home of Phione, which can learn surf. Phione can be found on the right side of Nimbassa City.
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The most easiest way to get a Pokemon that can surf is get a Zizagoon,it can learn surf.
There is no such Pokemon. Either you get the HM03 and teach it to one of your Pokemon, or you'll be unable to use Surf.
No
You can use Pokemon like: Buizel, floatzel, gastrodon, and possibly finneon and lumineon
Most Water Pokemon can learn surf in Ruby, like tentacool or wingull.