I change namservers almost every year because I change web hosting companies.
I have plan to use Zoho for my emails.
So how to create email address which not affect when servers changing? I mean even I change nameservers emails should be working without a problem.
To have an email account that is not affected (at all) by a server change you would need to use a third party email service (like Zoho, GSuite, etc.) that does not change.
Changing NAMESERVERS would still be "OK", providing the appropriate
MX records are preconfigured at the new DNS.
Use some sort of 3rd party DNS hosting provider. Someone above mentioned your Registrar (Dynadot, GoDaddy, etc) but you can also use something like CloudFlare as well.
When you change hosts, you just log into CloudFlare to change your A record. You add your Zoho MX records from them as well