; and (2) by adding at the end the following: (e) Applicability to Otherwise Protected Areas The prohibitions on new Federal expenditures and financial assistance described in section 5(a) do not apply within Otherwise Protected Areas. (f) Applicability to additions and insurable structures (1) Additions With respect to an addition to the System made under section 4 on or after the date of the enactment of the Bolstering Ecosystems Against Coastal Harm Act , subject to paragraph (2), the prohibitions on new Federal expenditures and financial assistance described in section 5(a) shall take effect on the date that is 1 year after the date on which such addition is made. (2) Insurable structures (A) In general The prohibitions on new Federal expenditures and financial assistance described in section 5(a) do not apply to an insurable structure. (B) Insurable structure defined In this subsection, the term insurable structure means an insurable structure that is— (i) located within an addition described in paragraph (1)