" every substring of 3 symbols has at most two zeros "
Here one this is clear, if we are at state 00, we wont accept another 0, i.e we move onto dead state whenever we see 0 i.e q, only option c and d satisfy it, so a and b are eliminated.
Now at state 10 we have already seen one 0, so if we see another 0, we move onto 00, in option c we remain at 10, which is wrong since in that case we can accept 10001, where substing has more than 2 zero.
So option D is correct.