HR 3121 RFS
‘‘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).’’. 
(c) 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.’’. 
(d) 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.— 
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‘‘(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) 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, discourage density 
and intensity or range of use increases in locations 
subject to windstorm damage, and enforce restric-
tions on the alteration of wetlands coastal dunes and 
vegetation and other natural features that are 
known to prevent or reduce such damage. 
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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.’’. 
(e) DEFINITIONS.—Section 1370 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4121) is amend-
ed— 
(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.’’. 
SEC. 8. MAXIMUM COVERAGE LIMITS. 
Subsection (b) of section 1306 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4013(b)) is amended— 
(1) in paragraph (2), by striking ‘‘$250,000’’ 
and inserting ‘‘$335,000’’; 
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(2) in paragraph (3), by striking ‘‘$100,000’’ 
and inserting ‘‘$135,000’’; and 
(3) in paragraph (4)— 
(A) by striking ‘‘$500,000’’ each place 
such term appears and inserting ‘‘$670,000’’; 
and 
(B) by inserting before ‘‘; and’’ the fol-
lowing: ‘‘; except that, in the case of any non-
residential property that is a structure con-
taining more than one dwelling unit that is 
made available for occupancy by rental (not-
withstanding the provisions applicable to the 
determination of the risk premium rate for such 
property), additional flood insurance in excess 
of such limits shall be made available to every 
insured upon renewal and every applicant for 
insurance so as to enable any such insured or 
applicant to receive coverage up to a total 
amount that is equal to the product of the total 
number of such rental dwelling units in such 
property and the maximum coverage limit per 
dwelling unit specified in paragraph (2); except 
that in the case of any such multi-unit, nonresi-
dential rental property that is a pre-FIRM 
structure (as such term is defined in section 
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578(b) of the National Flood Insurance Reform 
Act of 1994 (42 U.S.C. 4014 note)), the risk 
premium rate for the first $500,000 of coverage 
shall be determined in accordance with section 
1307(a)(2) and the risk premium rate for any 
coverage in excess of such amount shall be de-
termined 
in 
accordance 
with 
section 
1307(a)(1)’’. 
SEC. 9. COVERAGE FOR ADDITIONAL LIVING EXPENSES, 
BASEMENT 
IMPROVEMENTS, 
BUSINESS 
INTERRUPTION, AND REPLACEMENT COST 
OF CONTENTS. 
Subsection (b) of section 1306 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4013) is amended— 
(1) in paragraph (4), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (5)— 
(A) by inserting ‘‘pursuant to paragraph 
(2), (3), or (4)’’ after ‘‘any flood insurance cov-
erage’’; and 
(B) by striking the period at the end and 
inserting a semicolon; and 
(3) by adding at the end the following new 
paragraphs: 
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‘‘(6) in the case of any residential property, 
each renewal or new contract for flood insurance 
coverage shall provide not less than $1,000 aggre-
gate liability per dwelling unit for any necessary in-
creases in living expenses incurred by the insured 
when losses from a flood make the residence unfit to 
live in, which coverage shall be available only at 
chargeable rates that are not less than the estimated 
premium rates for such coverage determined in ac-
cordance with section 1307(a)(1); 
‘‘(7) in the case of any residential property, op-
tional coverage for additional living expenses de-
scribed in paragraph (6) shall be made available to 
every insured upon renewal and every applicant in 
excess of the limits provided in paragraph (6) in 
such amounts and at such rates as the Director 
shall establish, except that such chargeable rates 
shall not be less than the estimated premium rates 
for such coverage determined in accordance with sec-
tion 1307(a)(1); 
‘‘(8) in the case of any residential property, op-
tional coverage for losses, resulting from floods, to 
improvements and personal property located in base-
ments, crawl spaces, and other enclosed areas under 
buildings that are not covered by primary flood in-
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surance coverage under this title, shall be made 
available to every insured upon renewal and every 
applicant, except that such coverage shall be made 
available only at chargeable rates that are not less 
than the estimated premium rates for such coverage 
determined in accordance with section 1307(a)(1); 
‘‘(9) in the case of any commercial property or 
other residential property, including multifamily 
rental property, optional coverage for losses result-
ing from any partial or total interruption of the in-
sured’s business caused by damage to, or loss of, 
such property from a flood shall be made available 
to every insured upon renewal and every applicant, 
except that— 
‘‘(A) for purposes of such coverage, losses 
shall be determined based on the profits the 
covered business would have earned, based on 
previous financial records, had the flood not oc-
curred; and 
‘‘(B) such coverage shall be made available 
only at chargeable rates that are not less than 
the estimated premium rates for such coverage 
determined 
in 
accordance 
with 
section 
1307(a)(1); and 
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