MCC Updates
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MCC General Updates
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18 October 2022
Attend The MCC 10 Year Anniversary Event
*|MC:SUBJECT|* *|MC_PREVIEW_TEXT|* View this email in your browser Massachusetts Coastal Coalition October 11th, 2022 About Us The mission of the MCC is to educate, advocate, and inform professionals and stakeholders regionally and nationally, on flood hazards. Contact Us Info@knowflood.org www.knowflood.org Come Join Us For The MCC 10 Year Anniversary Event Don’t miss this unique opportunity to hear from policymakers and flood experts at MCC’s 10-Year Anniversary Celebration. Flood risk and flood safety issues impact us all. Connect with like-minded fellow citizens and professionals in a casual setting while celebrating 10 years of service and achievements of the Massachusetts Coastal Coalition. The celebration will include: -Update on recent changes in flood insurance and other flood news -Light hors d’oeuvres -Guest speakers including local legislative leaders -Our Annual Meeting and voting on the slate of officers -Silent auction items -And more! The MCC has served the communities of Massachusetts for 10 years. From our founding as the Marshfield Citizens Coastal Coalition in February 2012, to our evolution to the MCC in 2018. We have been committed to a very simple mission: educate, advocate, and inform professionals and stakeholders regionally and nationally on flood hazards. Save The Date! Where: Station Eight: 1899 Ocean St, […]
27 January 2022
Resources For Coastal Storm Saturday
Prepare now for major coastal storm Saturday From Friday night to Saturday night, a major winter storm will impact the Northeast. You have probably heard that one is coming and perhaps some details. Regardless, at the MCC we are here to tell you how this may affect you and how to prepare: The Storm The Nor’easter will be the first blizzard the region has seen since 2018. This storm will also be a bombogenesis, also known as a bomb cyclone, which means as it passes by the storm rapidly intensifies. Some forecasts are calling for:-Up to 20+ inches of snow-Tides are mid-astronomical (higher than usual) and moderate coastal flooding is expected-Wind gusts possibly over 70 mph in coastal counties More will be available in days to come and may change as meteorologists learn more. The Impacts There will likely be impacts to communities in our region. In general, those impacts could be:-Damaging winds that could cause debris and loose items to become airborne-Areas prone to flooding will have a high likelihood of moderate flooding-The Saturday 8:00am and 9:00pm high tides are currently of most concern. -Waves will have time to build due to the winds and could be more impactful later in the day, especially in northeast facing communities and those with a large fetch.-This is anticipated to be a prolonged storm and the snow impacts will be significant […]
24 September 2021
2.0 is Coming! Rates Available Now
Risk Rating 2.0 Rates Now Available- Full Implementation October 1st. As of September 1st, most insurance companies and the NFIP Direct are offering Risk Rating 2.0 insurance rates. This is for new business on or after October 1st, 2021. However, agents can now compare your flood insurance rate from what it currently is, to what it will be in Risk Rating 2.0. Based on the premium, the following scenarios are possible:-Existing policies renewing with effective dates between October 1, 2021 and March 31, 2022 can renew under the “legacy” rating plan or renew their policy under RR 2.0, whichever is more beneficial-All existing policies with renewal dates on or after April 1, 2022 will be renewed under RR 2.0. If your premium is not beneficial under Risk Rating 2.0, then you will increase each year to the new rate, from your existing rate (no steep premium increases) -All new business policies effective on or after October 1st 2021 must be issued under RR 2.0. NOTE: All renewal notices sent to insureds between October 1st and March 31st will be based on “legacy” rates. To find out what your Risk Rating 2.0 rate will be, contact your agent. Concerns, Comments, And ObservationsThe MCC has been spending a lot of time […]
20 August 2021
Alert: Keeping an eye on Henri
Hurricane Henri impacts to be felt Sunday into Monday. Hurricane Henri is expected to threaten New England this weekend. The track of Henri is somewhat uncertain, however, the following is known:-Henri will come close to shore with at least 60mph winds and significant rain impacts.-Watches will be put in place today. -Dangerous storm surge and rip tides are expected on the Cape and south facing beaches.-There may be power outages and trees down, especially if the storm tracks closer to land.DO NOT WAIT TO PREPARE. In preparation for this storm and others this hurricane season, the MCC wants to remind you of a few very important things:-The MCC has a hurricane and preparedness section of its website. Simply click the link to our downloads page and click the hurricane tab. https://knowflood.org/downloads-Refer to the website https://cera.coastalrisk.live/ for the latest hurricane information. -There may be coverage to prepare for a flood found in your flood insurance policy. Please refer to your policy for coverage information -Before the storm, you should photograph and document your building and contents pre-loss for insurance reasons. -A preparation guide for what to do before, during and after a storm is found here. -If you don’t have a flood insurance policy, there is typically a 30 day wait […]
3 August 2021
Breaking: Risk Rating 2.0 Rate Release Delayed
Public release of Risk Rating 2.0 rates delayed- Implementation timeline remains the same. On July 30th, FEMA announced that the public release of the new flood insurance premium rates under Risk Rating 2.0 (Equity in Action) will be delayed to at least August 16th. Rates were originally going to be made available August 1st. This means that while the Write Your Own (WYO) insurance companies have access to the rates and are testing connections to the FEMA rating engine, insurance agents and others do not yet have rates available for quoting and binding insurance policies. This is a developing story, and rates may be further delayed. The MCC will update you as this develops. Stay tuned to your source of flood information for more. NOTE: While the release of rates is delayed, the implementation of Risk Rating 2.0, which begins October 1st 2021, is not delayed. Implementation timelines along with other information can be found here: FEMA Risk Rating 2.0 WebsiteFor the MCC Risk Rating 2.0 page with the most recent downloads and more, go HERE.
9 April 2021
Cape Cod Watershed Map Change Webinar
Register for a webinar on the Cape Cod Watershed Flood Maps- Share with other professionals. FEMA is planning to host a webinar for industry professionals on Wednesday April 14th from 9:30am to 10:30am on the coming changes for the Cape Cod Watershed Flood Insurance Rate Maps (FIRM). From FEMA:Flood risks are changing in the Cape Cod watershed, which means the need for flood insurance could be changing for some.While the recently released preliminary maps for the Cape Cod Watershed have only minor changes, FEMA still wants to make everyone, including industry professionals, aware of these changes.During the April 14 webinar you will:Hear about the mapping projects and better understand where the changes are occurring on the new flood maps.Learn about the potential impacts on flood insurance when flood zones change.Hear more about the National Flood Insurance Program’s available insurance rating options.Walk away with online tools and resources to assist you. Please join us to learn more about these important topics. If you have any questions, feel free to reach out to either:Bob Desaulniers CFM CPCU ANFI AAIRobert.Desaulniers@Fema.DHS.gov orTom Young CFM CPCUThomas.Young@associates.fema.dhs.gov SAVE THE DATEWHENWednesday, April 14th, 2021 from 9:30am to 10:30amWHEREYou must register, registration link HEREWHOIf you are an insurance agent, real estate professional, lender, builder, […]
2 April 2021
Breaking: FEMA Issues Risk Rating 2.0 – Impact and Timeline
Breaking updates on Risk Rating 2.0 On April 1st, the Federal Emergency Management Agency (FEMA) released its first official communication on the long-awaited overhaul of the National Flood Insurance Program (NFIP)’s rating system. The new pricing methodology, known as Risk Rating 2.0, uses new modeling and updated data to assess more accurately flood risk of individual properties nationwide. Phase 1 of the new program begins on October 1, 2021. In its announcement, FEMA shared a state-by-state breakdown of Risk Rating 2.0’s impact on flood insurance premiums The MCC has posted the Massachusetts data HERE. Data for other states can be found HERE. The Data According to FEMA, Massachusetts NFIP flood insurance policy holders can expect the following changes:–39% will see an immediate decrease in flood insurance premiums–49% will see, on average, $0-$10 per month increase–6%will see, on average, $10-$20 per month increase–6% will see, on average, greater than $20 per month increase The FEMA bulletin, found HERE, outlines the coming timeline for changes as follows: –April-September 2021: FEMA collaborates with and continues to periodically share draft guidance documents with NFIP insurers regarding RR 2.0 program changes. –August 1, 2021: NFIP insurers may begin quoting for policies with effective dates on or after October 1, 2021. –September 1, 2021:FEMA releases final guidance documents for […]
1 October 2020
October 1st: NFIP extended and CRS discounts begin
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3 August 2020
Update: Isaias Impact on New England
Storm To Arrive Tomorrow Hurricane Isaias will arrive in New England between Tuesday afternoon and Wednesday morning. Currently, most of our area is in a Tropical Storm Warning, and will affect most areas for 6-12 hours. According to NOAA, New England should be prepared for:-Wind gusts of 40 to 60 mph across parts of the region (not everyone will experience these wind speeds). -Minor damage such as downed trees and power lines could result.-Rainfall of 2 to 4 inches in Western Mass. resulting in minor poor drainage flooding, with lesser amounts in eastern Massachusetts, where totals may be less than 1 inch.-Possible minor coastal flooding along the south coast Tuesday evening. This situation is evolving and could still change. To prepare, the MCC has a hurricane resource page found here for our members. Remember, Hurricane Season runs to November 30th, and it is likely there are more events we will need to prepare for in 2020. Also, see the hurricane storm tracker here.
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Legislative Updates
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1 October 2020
October 1st: NFIP extended and CRS discounts begin
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20 December 2019
NFIP Certainty Found For Now
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22 November 2019
Short Term Extension… Again
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1 October 2019
Another Short Term Extension
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15 June 2019
Legislative Activity That Impacts You
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31 May 2019
NFIP Extended- Only For Two Weeks
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12 March 2019
Breaking: NFIP Legislative Activity
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22 December 2018
NFIP Extended- Now time for reform
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21 December 2018
Extension No Longer Certain
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