Not totally positive, but I do not think NY state allows CFAR insurance as they do not really consider it as insurance. The thinking is that insurance is something you take out against risk, which CFAR is not. It goes along with the same line of reasoning that allows your insurance premium to be refunded if you cancel as there was no longer a risk that is being covered.
Again, I could be wrong, but I believe this is the reasoning of the NY State Insurance Commission.