Just for an anecdote. I live in an HOA neighborhood with a shared boat dock in NC. We had pretty random tornado damage that hit the dock last year, we aren’t in a high tornado area normally. The HoA was dropped from the insurance 1/1/24 about 2 months after the claim was made. My understanding now is out of about 20 solicited companies only 1 will insure with massive caveats. Our county is very much “red”(no I’m not personally).
It’s literally that simple. There’s zero argument it works any other way.