Karina owns the four homes listed below. Which one of them is not eligible for flood coverage under the NFIP's Dwelling Form?
a) A house located in a designated Special Flood Hazard Area (SFHA).
b) A beachfront cottage with a mortgage from a federally regulated or insured lender.
c) A vacation home situated on stilts in a coastal region.
d) A mountain cabin at an elevation of 2,500 feet above sea level.
