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“In general, the reason why people have coverage is because they’re told when they go buy their home that they’re in a Special Flood Hazard Area and it’s mandated by their mortgage provider that they have flood insurance,” Porter said.
Source: https://vtdigger.org/2023/09/27/why-do-so-few-vermonters-have-flood-insurance/
This new provision required specific homeowners to buy NFIP policies based on their home’s location in a Special Flood Hazard Area (SFHA) and the involvement of any federal-backed or federally regulated mortgage lenders.
Source: https://www.insurancejournal.com/blogs/agentsync/2023/03/06/709845.htm