We Know Flood

The Massachusetts Coastal Coalition (MCC) is a nationally recognized 501c3 non-profit whose members are stakeholders interested or affected by flood hazards. The MCC has expanded over the years to include both a local and national focus. In addition to our education, information services and advocating for legislation and reform, we now also provide risk information products and are adding more all the time.

The MCC was established on February 2nd, 2012 as the Marshfield Citizens Coastal Coalition (MCCC) as a means to communicate coastal hazards better to citizens. Originally focused on only local coastal infrastructure issues, the MCCC became experts in informational outreach on flood insurance and mapping issues after the passage of the Biggert-Waters Act of 2012 (BW-12). The Town of Marshfield was caught in a “perfect storm” when in the spring of 2013 new flood maps were also proposed for the community. The result of new legislation and new maps meant flood insurance premiums began to skyrocket. During 2013, the MCCC held many citizen outreaches and joined together with national organizations such as the Coalition for Sustainable Flood Insurance (CSFI) to advocate for short term premium relief. The culmination of the national effort was the Homeowners Flood Insurance Affordability Act of 2014 (HFIAA) which stopped the severe increases from the BW-12 Act. Since then, the MCCC has grown its knowledge base and expanded its capabilities to include all flood related hazards. The MCC formalized by establishing a Board of Directors in 2015. Past and current members include retired FEMA specialists, mortgage lenders, Community Rating System (CRS) experts, insurance specialists, architects, coastal scientists and more.

The MCCC has now become the MCC to move further into the national spotlight while still serving our local interests. With unique products and services, the MCC will continue to serve citizens and stakeholders first. But more recently the MCC has moved to educate realtors, insurance agents, communities, lenders and other professional organizations and industries on flood hazards. Recent educational programs include presentations to the Town of Hull, the MCC Flood Insurance Summit in 2016, legislative updates for the Massachusetts Association of Realtors, insurance presentations to Franklin St. Brokers in Florida, and ongoing education to the Massachusetts Association of Insurance Agents just to name a few.

Chair and Executive Director Joe Rossi travels the country each year to speak at various national conferences. We are always growing and looking for more educational opportunities all across the country. Contact us, become a member and get to know us!

Board of Directors

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  • jrossi@knowflood.org

Joe Rossi, ANFI, CFM

Chair and Executive Director
Joe started his career as Chair of the Marshfield Seawall Committee from 2010-2012. In 2012, Joe started the non-profit the Marshfield Citizens Coastal Coalition (Now the Massachusetts Coastal Coalition) seeking stronger citizen representation on flood hazards. The MCC educates stakeholders on flood insurance and mapping issues, specialists in outreach and education, advocates for legislation and flood reform, and providing risk information. Joe continues to lead the MCC as the Chair of the Board of Directors and Executive Director. In 2014, Joe started Flood Insurance Services of America, a consulting firm specializing in helping clients reduce premiums as well as the challenges they face with flood compliance and mitigation. In 2016, Joe was elected to the Board of Directors of the National Flood Association (NFA) and Chairs the NFA Legislative Sub-committee. This national board is moving toward becoming a hub for flood insurance information and reform. Joe joined Rogers and Gray in 2017 as their flood insurance specialist. Joe oversees placing all flood insurance business (personal and commercial lines), develops new flood insurance products and consults on complicated flood projects. Rogers and Gray is one of the nation’s largest independent agents. In 2018, Joe founded and was made Chair of the Marshfield Community Rating System (CRS) committee. Also in 2018 Joe was appointed to the Independent Insurance Agents and Brokers Association’s (IIABA) Flood Insurance Task Force and appointed to the Massachusetts Floodplain Managers Association’s Board of Directors. Joe graduated from Wentworth Institute of Technology with a bachelor’s degree in architecture.
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  • twilliams@knowflood.org

Tim Williams

Vice Chair
Tim Williams has been in the insurance industry for over 20 years and is the Director of Business Operations for Flaherty Insurance. Since 1956 Flaherty has offered their clients the best protection at the best price. Tim specializes in coastal homeowners and flood insurance, among other relevant coverages. In his role, Tim takes a consultative approach in creating individualized insurance portfolios that are designed to protect a client’s property, family and livelihood. Tim is actively involved in coaching youth soccer and basketball and resides Marshfield with his wife and two sons.
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  • samico@knowflood.org

Steve Amico

Treasurer
Steve has been in the banking industry for over thirty-five years. For the past twenty-five years his focus has been in the residential lending arena. Steve has been with Coastal Heritage Bank, formerly Scituate Federal Savings Bank, for the past twenty years, based in Marshfield. He enjoys meeting borrowers from Cape Cod to Boston and the entire South Shore region and makes sure that they receive the very best home financing that serves their personal needs, not only for today, but well into the future. Steve has played an active role with the Old Colony Girls Basketball League for the past 18 years and currently serves as Treasurer as well as Director of the 4th Grade Girls Travel Program. He is a former Selectman for the Town of Hanson and a former member of the Whitman Hanson School Committee, as well as other civic and municipal committees. Steve is a resident of Hanson where he resides with his wife and two daughters.
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Doris Crary

Clerk
  • dcrary@knowflood.org
Doris’ experience with flood started in 1992, when she was appointed to the Marshfield Coastal Advisory Board. As chair, Doris got Marshfield involved as one of the first communities in the Community Rating Service (CRS) Program, and worked directly with the programs founders to train and implement CRS. Through the 90′s, Doris toured flood prone areas such as Louisiana, Florida, and more. In the mid 90′s, Doris testified at Senate committee hearings to support legislation to reauthorize the National Flood Insurance Program (NFIP). Doris, working with national groups and local communities, helped take a homeowners perspective and fight for homeowners issues within the flood program. Throughout the 90′s, Doris continued her work on the Marshfield Coastal Advisory Board focusing on CRS, getting Marshfield to a level 7 in the program. This translated into a 20% discount to homeowners flood premiums. Doris stepped away from the Coastal Advisory Board in 2000 as her personal business took off. In 2008, she became active in the town of Scituate, sitting on their CRS committee. In 2013, she was appointed to the Scituate elevation grant committee. In 2013, Doris joined the Marshfield Citizens Coastal Coalition. Doris also has dealt with the NFIP as one of the first homeowner flood insurance policy holders in Marshfield.
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  • tcarty@knowflood.org

Tim Carty

Director
Tim owns MurphyCarty Insurance Agency, located in Scituate Harbor. He brings flood insurance experience to the Marshfield Citizens Coastal Coalition (MCCC.) His objective is to support policy holders, minimize their risk, and help navigate them through flood program changes. From applications to elevation certificates, zone determinations, coverage options and claims to program changes and reforms, Tim is looking ahead with the MCCC to focus on program reforms and improving overall understanding of the program and its benefits. Tim has a background in Financial Project Management, an MBA from Boston University and an undergraduate degree from Babson College.
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  • ssullivan@knowflood.org

Sue Sullivan

Director
Susan is a top producing realtor for 15 years with Coldwell Banker in Scituate. Susan is a member of the International Diamond Society ranked as the top 15% of Coldwell Banker professionals worldwide for production and exceptional service. Susan has designations as a Certified Buyers Agent, Senior Real Estate Specialist, and Home Staging Expert. She is also a Notary Public. Susan provides exceptional service to homeowners on the South Shore in coastal communities and beyond. This allows an intimate look at the challenges property owners face in flood prone neighborhoods. Susan became part of the MCC board to increase her knowledge of flood related policy and protocol in order to benefit homeowners. Many homeowners are not aware of current regulations or resources that are available to them. The MCC has proved to be an exceptional educational resource for my clients. Susan worked in the financial industry for 20 years with the Federal Reserve Bank of Boston and State Street Corporation. Susan is a lifelong Scituate resident. She is a volunteer for the Scituate Veterans organization, Scituate Community Christmas and a member of the Scituate historical society.
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  • gkubik@knowflood.org

Gail Kubik

Director
Gail Kubik takes the initiative to innovate and advocate for communities to build urban resilience programs and establish emergency disaster response systems. As an Architectural professional, a public speaker and a resilience consultant, she is recognized as a thought leader in climate adaptation and improving the 'resilience of place' through public interest design. Building on her experience in post-disaster reconstruction and recovery, Kubik facilitates conversations and manages partnerships between diverse stakeholder groups to rethink social strategies to building our urban environments, while improving social equity and access to design innovation. She has established the Resilience Through Education and Design program in the aftermath of Superstorm Sandy, which provided vulnerable communities in New York and New Jersey with pro-bono design and construction services to begin the rebuilding process. Kubik has also brokered partnerships among national professional organizations such as the American Council of Engineering Companies, the American Institute of Architects and the National Council of Structural Engineers Associations to establish a state-wide disaster response program for the Commonwealth of Massachusetts. With publications in the New England Real Estate Journal, High Profile and Architect Magazines, Kubik has provided her expertise as a contributor to flood resilient zoning reform for the City of New York, supported citizen-led resilience initiatives for the City of Boston and served an advisory role on a Mayoral resilience committee for the City of Cambridge in Massachusetts. She has spoken on the topic of building urban resilience at symposiums across the country, including the humanitarian-focused design event "Design Like You Give A Damn: Live!". Kubik holds two special citations in recognition of her work with communities and is the recipient of the 2018 National Associates Award from the American Institute of Architects. 
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  • ndill@knowflood.org

Nathan Dill

Director
Nate is a coastal engineer with expertise in coastal processes and flood hazard analyses. He has performed numerical modeling, and data collection and analyses of coastal processes to support environmental impact studies, hydraulic and hydrologic analyses, coastal flooding analyses, effluent discharge and mixing zone studies, sediment transport analyses, and design of coastal infrastructure. He has experience with a variety of hydrodynamic and wave models, is fluent in multiple programming languages and frequently utilizes high performance computing. Recently, Nate has been applying his knowledge of state-of-the-science modeling and statistical techniques to help various clients better understand their coastal flooding hazard. This work includes revisions to improve flood maps, real-time forecasting of hurricane storm surge and waves, and modeling studies to help clients assess their vulnerability to future coastal flooding with sea level rise. Nate studied Physics at Bowdoin College with the class of 2001 and received a M.S. in Civil Engineering from the Louisiana State University in 2007. Nate is a registered professional engineer in Massachusetts, Maine, and Rhode Island.
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Subcommittees

Our Sub Committees are made up of our Board of Directors, and is what makes our Coalition move

CRS Subcommittee

Doris Crary- MCC CRS Coordinator 

Tim Williams 

Joe Rossi

Sue Sullivan 

Nate Dill

Membership Subcommittee

Tim Williams

Joe Rossi

Doris Crary

Steve Amico 

Claims Advocacy Subcommittee

Gail Kubik 

Steve Amico 

Tim Carty 

Joe Rossi

Contact us

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General Email

info@knowflood.org


 

Mail

PO Box 223, Hanover, MA 02340


 

Phone

(781) 635-5152


 

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website disclaimer

The information contained in this website is for general information purposes only. The information is provided by the Massachusetts Coastal Coalition and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.  In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Through this website you are able to link to other websites which are not under the control of the Massachusetts Coastal Coalition. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply are commendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly. However, the Massachusetts Coastal Coalition takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.