multiperil coverage made available under this 
subsection shall not exceed the lesser of the re-
placement cost for covered losses or the fol-
lowing amounts, as applicable: 
‘‘(i) RESIDENTIAL
STRUCTURES.—In 
the case of residential properties, which 
shall include structures containing multiple 
dwelling units that are made available for 
occupancy by rental (notwithstanding any 
treatment or classification of such prop-
erties for purposes of section 1306(b))— 
‘‘(I) for any single-family dwell-
ing, $500,000; 
‘‘(II) for any structure containing 
more 
than 
one 
dwelling 
unit, 
$500,000 for each separate dwelling 
unit in the structure, which limit, in 
the case of such a structure con-
taining multiple dwelling units that 
are made available for occupancy by 
rental, shall be applied so as to enable 
any insured or applicant for insurance 
to receive coverage for the structure 
up to a total amount that is equal to 
the product of the total number of 
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such rental dwelling units in such 
property and the maximum coverage 
limit per dwelling unit specified in 
this clause; and 
‘‘(III) $150,000 per dwelling unit 
for— 
‘‘(aa) any contents related 
to such unit; and 
‘‘(bb) 
any 
necessary 
in-
creases in living expenses in-
curred by the insured when losses 
from flooding or windstorm make 
the residence unfit to live in. 
‘‘(ii) 
NONRESIDENTIAL
PROP-
ERTIES.—In the case of nonresidential 
properties (including church properties)— 
‘‘(I) $1,000,000 for any single 
structure; and 
‘‘(II) $750,000 for— 
‘‘(aa) any contents related 
to such structure; and 
‘‘(bb) in the case of any 
nonresidential property that is a 
business property, any losses re-
sulting from any partial or total 
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interruption 
of 
the 
insured’s 
business caused by damage to, or 
loss of, such property from flood-
ing or windstorm, except that for 
purposes of such coverage, losses 
shall be determined based on the 
profits 
the 
covered 
business 
would have earned, based on pre-
vious financial records, had the 
flood or windstorm not occurred. 
‘‘(B) SEPARATE WINDSTORM COVERAGE.— 
The regulations issued pursuant to paragraph 
(6) shall provide that windstorm coverage pur-
suant to paragraph (1)(B) for a property shall 
not exceed the amount such that the aggregate 
liability under flood insurance coverage required 
to be maintained under paragraph (3)(B) for 
the property and such windstorm coverage for 
the property does not exceed the applicable cov-
erage limit for the property set forth in sub-
paragraph (A) of this paragraph. 
‘‘(8) EFFECTIVE DATE.—This subsection shall 
take effect on, and shall apply beginning on, the ex-
piration of the 6-month period that begins on the 
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date of the enactment of the Multiple Peril Insur-
ance Act of 2009.’’. 
SEC. 3. PROHIBITION AGAINST DUPLICATIVE COVERAGE. 
The National Flood Insurance Act of 1968 is amend-
ed by inserting after section 1313 (42 U.S.C. 4020) the 
following new section: 
‘‘PROHIBITION AGAINST DUPLICATIVE COVERAGE 
‘‘SEC. 1314. Flood insurance under this title may not 
be provided with respect to any structure (or the personal 
property related thereto) for any period during which such 
structure is covered, at any time, by multiperil insurance 
coverage 
made 
available 
pursuant 
to 
section 
1304(c)(1)(A).’’. 
SEC. 4. COMPLIANCE WITH STATE AND LOCAL LAW. 
Section 1316 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4023) is amended— 
(1) by inserting ‘‘(a) FLOOD
PROTECTION 
MEASURES.—’’ before ‘‘No new’’; and 
(2) by adding at the end the following new sub-
section: 
‘‘(b) WINDSTORM PROTECTION MEASURES.—No new 
multiperil coverage shall be provided under section 
1304(c) for any property that the Director finds has been 
declared by a duly constituted State or local zoning au-
thority, or other authorized public body to be in violation 
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of State or local laws, regulations, or ordinances, which 
are intended to reduce damage caused by windstorms.’’. 
SEC. 5. CRITERIA FOR LAND MANAGEMENT AND USE. 
Section 1361 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4102) is amended by adding at the end 
the following new subsection: 
‘‘(d) WINDSTORMS.— 
‘‘(1) STUDIES AND INVESTIGATIONS.—The Di-
rector shall carry out studies and investigations 
under this section to determine appropriate meas-
ures in wind events as to wind hazard prevention, 
and may enter into contracts, agreements, and other 
appropriate arrangements to carry out such activi-
ties. Such studies and investigations shall include 
laws, regulations, and ordinance relating to the or-
derly development and use of areas subject to dam-
age from windstorm risks, and zoning building 
codes, building permits, and subdivision and other 
building restrictions for such areas. 
‘‘(2) COORDINATION WITH STATE AND LOCAL 
GOVERNMENTS.—The Director shall work closely 
with and provide any necessary technical assistance 
to State, interstate, and local governmental agencies, 
to encourage the application of measures identified 
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