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).’’. 
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 
of State or local laws, regulations, or ordinances, which 
are intended to reduce damage caused by windstorms.’’. 
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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 windstorm-prone areas as to land manage-
ment and use, windstorm zoning, and windstorm 
damage prevention, and may enter into contracts, 
agreements, and other appropriate arrangements to 
carry out such activities. Such studies and investiga-
tions shall include laws, regulations, and ordinance 
relating to the orderly development and use of areas 
subject to damage from windstorm risks, and zoning 
building codes, building permits, and subdivision and 
other building restrictions for such areas. 
‘‘(2) CRITERIA.—On the basis of the studies 
and investigations pursuant to paragraph (1) and 
such other information as may be appropriate, the 
Direct shall establish comprehensive criteria de-
signed to encourage, where necessary, the adoption 
of adequate State and local measures which, to the 
maximum extent feasible, will assist in reducing 
damage caused by windstorms. 
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‘‘(3) 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 criteria established 
under paragraph (2) and the adoption and enforce-
ment of measures referred to in such paragraph .’’. 
SEC. 6. DEFINITIONS. 
Section 1370 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4121) is amended— 
(1) in paragraph (14), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (15) by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following new 
paragraph: 
‘‘(16) the term ‘windstorm’ means any hurri-
cane, tornado, cyclone, typhoon, or other wind 
event.’’. 
Æ 
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