H.R. 1264: Multiple Peril Insurance Act of 2009

111th Congress · introduced 2009-03-03 · Emergency Management · Latest: Rule H. Res. 1549 passed House.

federal

Follow this bill, step by step

Where it came from: introduced 2009-03-03 · official record
Who proposed it: Rep. Taylor, Gene [D-MS-4] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Rule H. Res. 1549 passed House. Not final yet: this can still change. We check for updates every day.
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Multiple Peril Insurance Act of 2009

Plain summary

(This measure has not been amended since it was introduced. The summary has been expanded because action occurred on the measure.) Multiple Peril Insurance Act of 2009 - (Sec. 2) Amends the National Flood Insurance Act of 1968 to require the national flood insurance program to enable the purchase of multiperil coverage and optional separate windstorm coverage to protect against loss resulting from physical damage or loss of real or related personal property located in the United States. Defines windstorm as any hurricane, tornado, cyclone, typhoon, or other wind event. Restricts multiperil coverage to areas (or their subdivisions) where an appropriate public body has adopted adequate mitigation measures, including effective enforcement provisions, which the Director of the Federal Emergency Management Agency (FEMA) finds are consistent with the criteria for construction described in the International Code Council building codes relating to wind mitigation. Prohibits provision of multiperil coverage to any structure (or related personal property ) covered, at any time, by flood insurance under the Act. Requires maintenance of flood insurance coverage under this Act as a prerequisite to windstorm coverage of any structure (or related personal property). States that separate windstorm coverage only covers losses from physical damages from windstorm. Prescribes the nature and terms of coverage and actuarial rates. (Sec. 3) Prohibits duplicative coverage. (Sec. 4) Prohibits new multiperil coverage for property declared by a governmental authority to be in violation of state or local laws, regulations, or ordinances intended to reduce windstorm damage. (Sec. 5) Instructs the Director to: (1) carry out studies and investigations to determine measures for wind hazard prevention; and (2) provide technical assistance to state, interstate, and local governmental agencies to encourage adoption and enforcement of laws, regulations, and ordinances 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.

Congressional Research Service summary (Reported to House without amendment), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Multiple Peril Insurance Act of 2009

Source: Congressional Research Service summary (Reported to House without amendment)

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The strongest published arguments

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Taylor, Gene [D-MS-4] · 22 cosponsors

Cost estimate: CBO cost estimate: H.R. 1264, Multiple Peril Insurance Act of 2009 (2010-07-19); CBO cost estimate: H.R. 1264, Multiple Peril Insurance Act of 2009 (2010-07-19)

Cosponsors on this site

Maxine Waters (D-CA), Steve Scalise (R-LA), Emanuel Cleaver (D-MO), Steve Cohen (D-TN), Al Green (D-TX)

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (2)

Appropriation: Money a legislature sets aside by law for a specific purpose. Government agencies may spend public money only as it has been appropriated.
Rulemaking: The process agencies use to write regulations that carry out laws passed by Congress or a legislature. Usually an agency publishes a proposed rule, takes public comments, then publishes a final rule.

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Reported to House without amendment)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-111hr1264.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/111/hr>

Record fed-us-cong111-hr1264 · catalog fed-us-congress-bills-cong111 · updated 2026-11-15 by psicol fed-bills-cong111