Require the tenant to carry renter's insurance, and add an umbrella policy to your own coverage.

I do not know if it has to do with being stuck inside on twenty degrees below zero, or just being out and about more. 

The title transfer or quit claim wouldn't send a red flag to the lender, but changing the insurance policy will as they are sent any policy changes.

Zero issues for my agent on several occasions.

Say the transaction has zero points.

Flood insurance policies are issued by FEMA, and you should be able to get a quote and a policy through any insurance broker.

Everything also goes through title companies where an underwriter, almost always a real estate attorney, reviews the transaction.You, the reader, can believe who you want: someone who spouts off when he has zero knowledge regarding any of this legal review by a multitude of attorneys, who has no specific knowledge of exact details or state law and is not even based in the state; or you can hire your own attorney, find your own RMLO and consult those that have used their own attorney's and experts and research what can be done.It costs me nothing either way. 

The other certificate holders probably realized that the property had zero value and didn't want to put up $11k to take the property back.  

If it's one of the majors like State Farm etc -- I'm thinking they'd offer a rider or endorsement or possibly a different type of policy to cover the property while it's vacant -- are you rehabbing?  

Investing in fly over states may give you initial cash flow, but capital expenses will eat into that, and the near zero appreciation and rent growth in many areas will leave you spinning your wheels.