Economy × Coastal Flooding
Coastal flooding has many economic impacts, including damage to property (residential and commercial), crops, and infrastructure, as well as injuries and health issues, displacement from one’s home or community, and lost tourism and impacts to local businesses. Direct flood damage to commercial and industrial structures in the Commonwealth’s coastal areas are projected to more than double by 2030 and the incremental cost could reach as high as $270 million annually by 2090, more than ten times higher than current levels (MCCA, 2022, Volume II Appendix A, p. A124). Coastal flooding impacts the ability of people to work (and get to work) and engage in commerce, as well as a range of other day-to-day activities.
Coastal flooding has many economic impacts, including damage to property (residential and commercial), crops, and infrastructure, as well as injuries and health issues, displacement from one’s home or community, and lost tourism and impacts to local businesses. Direct flood damage to commercial and industrial structures in the Commonwealth’s coastal areas are projected to more than double by 2030 and the incremental cost could reach as high as $270 million annually by 2090, more than ten times higher than current levels (MCCA, 2022, Volume II Appendix A, p. A124). Coastal flooding impacts the ability of people to work (and get to work) and engage in commerce, as well as a range of other day-to-day activities.
Questions to Answer
The questions and guided explorations below are designed to assist your thinking with how coastal flooding will impact the economy in your community. Use the Economy x Coastal Flooding worksheet to assist you when answering these questions.
The questions and guided explorations below are designed to assist your thinking with how coastal flooding will impact the economy in your community. Use the Economy x Coastal Flooding worksheet to assist you when answering these questions.
Flooding makes it difficult for people to both access and safely
enjoy essential activities, such as going to work and to school, meeting at
community centers and places of worship, and getting outside for recreation.
When buildings and transportation routes are flooded, closures arise, as well
as damage that leads to continued closures while the problems are serviced.
When a business floods—such
as a grocery store—there are repercussions for community members that use the
site, work at the site, or own the property. Families may lose childcare,
employees may lose wages, and business or building owners may lose business or
incur high costs of repair—factors that can impact financial security and a
sense of stability, identity, or wellbeing. When a larger area of a community floods,
such as main street or a commercial district, these impacts multiply.
Significant flooding can hurt the local economy and tax base, and draw heavily on municipal budgets to
repair, rebuild, and adapt.
Guided Exploration:
Understanding which important
local economy sites are at high risk of coastal flooding is important for
resilience planning. Some of these impacted sites will be more vulnerable to
the impacts of coastal flooding due to their location, proximity to impermeable
surfaces, the economic sector they’re associated with, and the sites’ building
infrastructure.
Open the GEAR Economy Map and select a municipality. The group of Land Use Data helps locate agricultural, commercial, and industrial land uses. Toggle on/off those layers and the Coastal Flooding layers under the Climate Hazard Data group – the Coastal Flooding Projection layers identify where coastal flooding from sea level rise and storm surge is expected to occur in 2030, 2050, and 2070.
With this information, you might consider:
- Which economic sites/areas are going to be exposed to coastal flooding in the near-term?
- Which will become increasingly vulnerable to flooding in the coming decades?
- How would/does flooding impact these sites (including transportation access to them)?
- Are the impacts quickly resolved once flooding recedes or will they require a longer recovery period?
- Which industries or sectors – especially those directly impacted by coastal flooding (currently or in the future) – are important to your community?
- This could include farms, construction yards, coastal tourism, recreation, ports and marinas, marine fisheries, and aquaculture.
- Are there essential businesses and services located in these areas?
- Which sites in your community generate notable revenue for the community? (These may include historic, cultural, sporting, or performing arts sites frequented by members of the community and visitors.)
- Did you identify which transportation facilities will be affected by coastal flooding via the Infrastructure x Coastal Flooding Guide?
- What are the economic ramifications of the closures of these facilities?
Read More About Related Impacts in the Massachusetts Climate Change Assessment:
- Damage to Coastal Buildings and Ports page A51 (top impact North & South Shores)
- Economic Losses from Commercial Structure Damage and Business Interruptions page A123 (top impact Boston Harbor)
Flooding makes it difficult for people to both access and safely
enjoy essential activities, such as going to work and to school, meeting at
community centers and places of worship, and getting outside for recreation.
When buildings and transportation routes are flooded, closures arise, as well
as damage that leads to continued closures while the problems are serviced.
When a business floods—such
as a grocery store—there are repercussions for community members that use the
site, work at the site, or own the property. Families may lose childcare,
employees may lose wages, and business or building owners may lose business or
incur high costs of repair—factors that can impact financial security and a
sense of stability, identity, or wellbeing. When a larger area of a community floods,
such as main street or a commercial district, these impacts multiply.
Significant flooding can hurt the local economy and tax base, and draw heavily on municipal budgets to
repair, rebuild, and adapt.
Guided Exploration:
Understanding which important
local economy sites are at high risk of coastal flooding is important for
resilience planning. Some of these impacted sites will be more vulnerable to
the impacts of coastal flooding due to their location, proximity to impermeable
surfaces, the economic sector they’re associated with, and the sites’ building
infrastructure.
Open the GEAR Economy Map and select a municipality. The group of Land Use Data helps locate agricultural, commercial, and industrial land uses. Toggle on/off those layers and the Coastal Flooding layers under the Climate Hazard Data group – the Coastal Flooding Projection layers identify where coastal flooding from sea level rise and storm surge is expected to occur in 2030, 2050, and 2070.
With this information, you might consider:
- Which economic sites/areas are going to be exposed to coastal flooding in the near-term?
- Which will become increasingly vulnerable to flooding in the coming decades?
- How would/does flooding impact these sites (including transportation access to them)?
- Are the impacts quickly resolved once flooding recedes or will they require a longer recovery period?
- Which industries or sectors – especially those directly impacted by coastal flooding (currently or in the future) – are important to your community?
- This could include farms, construction yards, coastal tourism, recreation, ports and marinas, marine fisheries, and aquaculture.
- Are there essential businesses and services located in these areas?
- Which sites in your community generate notable revenue for the community? (These may include historic, cultural, sporting, or performing arts sites frequented by members of the community and visitors.)
- Did you identify which transportation facilities will be affected by coastal flooding via the Infrastructure x Coastal Flooding Guide?
- What are the economic ramifications of the closures of these facilities?
Read More About Related Impacts in the Massachusetts Climate Change Assessment:
- Damage to Coastal Buildings and Ports page A51 (top impact North & South Shores)
- Economic Losses from Commercial Structure Damage and Business Interruptions page A123 (top impact Boston Harbor)
Coastal
flooding will have impacts for people who work in the coastal economy—including
anyone who works in marine industries (such as at ports or marinas or
commercial fisheries) or in businesses tied to the coast (such as waterfront
hotels or other tourism industries). Coastal flooding will also have a big
impact on communities whose commercial districts are in areas with high flood
risk, and for the residents who work at those businesses.
People who work in coastal and marine sectors,
including fisheries and aquaculture, coastal tourism and recreation, marine
transportation, and marine construction and infrastructure may be impacted due
to higher safety risks, interruptions in operations, and damage to buildings
and infrastructure because of coastal flooding. Lost labor hours due to closures,
interruptions, or transportation delays mean loss of income, which may
disproportionately impact certain groups (MCCA, 2022, Volume II, p. 64).
Guided Exploration:
Understanding how coastal flooding
causes disproportionate impacts in your community is essential to equitable
resilience planning. This exploration will guide you through some data layers
which provide context on the workers in your community.
You can use the GEAR Economy Map's Coastal Flooding Projections from the previous question to review which areas the Massachusetts Coastal Flood Risk Model (MC-FRM) shows expected flooding in the 2030-, 2050-, and 2070-time horizons. Toggling on/off the Workforce Characteristics layer may help get you thinking about unemployment in your community. You can also explore the EJ and Other Priority Populations layers to think about people who might be more vulnerable to coastal flooding because of existing inequities.
- Consider the people who work for coastal and marine sectors in your community, including coastal tourism and recreation, work at ports and marinas, marine fisheries and aquaculture, among other sectors.
- What are the risks to the people working in these sectors?
- What are the implications of coastal flooding on their livelihoods?
- Who are the largest employers in the community?
- How will coastal flooding impact their employees?
- What are common types of employment in the community (e.g., construction or property maintenance)?
- How will coastal flooding impact these employees?
Read More About Related Impacts in the Massachusetts Climate Change Assessment:
- Reduced Ability to Work page 131 (top impact Statewide, Central, Eastern Inland, North & South Shores)
Coastal
flooding will have impacts for people who work in the coastal economy—including
anyone who works in marine industries (such as at ports or marinas or
commercial fisheries) or in businesses tied to the coast (such as waterfront
hotels or other tourism industries). Coastal flooding will also have a big
impact on communities whose commercial districts are in areas with high flood
risk, and for the residents who work at those businesses.
People who work in coastal and marine sectors,
including fisheries and aquaculture, coastal tourism and recreation, marine
transportation, and marine construction and infrastructure may be impacted due
to higher safety risks, interruptions in operations, and damage to buildings
and infrastructure because of coastal flooding. Lost labor hours due to closures,
interruptions, or transportation delays mean loss of income, which may
disproportionately impact certain groups (MCCA, 2022, Volume II, p. 64).
Guided Exploration:
Understanding how coastal flooding
causes disproportionate impacts in your community is essential to equitable
resilience planning. This exploration will guide you through some data layers
which provide context on the workers in your community.
You can use the GEAR Economy Map's Coastal Flooding Projections from the previous question to review which areas the Massachusetts Coastal Flood Risk Model (MC-FRM) shows expected flooding in the 2030-, 2050-, and 2070-time horizons. Toggling on/off the Workforce Characteristics layer may help get you thinking about unemployment in your community. You can also explore the EJ and Other Priority Populations layers to think about people who might be more vulnerable to coastal flooding because of existing inequities.
- Consider the people who work for coastal and marine sectors in your community, including coastal tourism and recreation, work at ports and marinas, marine fisheries and aquaculture, among other sectors.
- What are the risks to the people working in these sectors?
- What are the implications of coastal flooding on their livelihoods?
- Who are the largest employers in the community?
- How will coastal flooding impact their employees?
- What are common types of employment in the community (e.g., construction or property maintenance)?
- How will coastal flooding impact these employees?
Read More About Related Impacts in the Massachusetts Climate Change Assessment:
- Reduced Ability to Work page 131 (top impact Statewide, Central, Eastern Inland, North & South Shores)
Investigate GEAR Map Data Layers
Explore the Economy map to learn more about where coastal flooding will impact your community. The list at the right provides an overview of selected layers included in the map, along with a detailed description of each layer.
Explore the Economy map to learn more about where coastal flooding will impact your community. The list at the right provides an overview of selected layers included in the map, along with a detailed description of each layer.
As
sea levels rise, communities can benefit from understanding when, where, and
how coastal flooding from sea level rise and storm surge may occur. This layer
provides extents of flooding for the 0.1% annual exceedance probability for
2030, 2050, and 2070 (i.e. the extent that flood waters will reach during a
0.1% event, or a 1 in 1000 chance for any given storm event).
As sea levels rise, communities can benefit from understanding when, where, and how coastal flooding from sea level rise and storm surge may occur. This layer provides extents of flooding for the 1% annual exceedance probability for 2030, 2050, and 2070 (i.e. the extent that floodwaters will reach during a 1 in 100 chance for any given storm event).
As hurricanes become more intense, communities can benefit
from understanding how storms could inundate their coastlines. This layer
represents worst-case Hurricane Surge Inundation areas for Category 1 through 4
hurricanes striking the coast of Massachusetts, based on thousands of modeled
combinations of hurricane intensity (Category 1-4), forward speed, track or
direction, and other factors not including sea level rise. NOAA’s National
Hurricane Center, in partnership with the United States Army Corps of
Engineers, uses the Sea, Lake, and Overland Surges from Hurricanes (SLOSH)
model to calculate the storm surge heights and map coastal areas with the
highest degree of exposure.
This layer is symbolized to show the percentage
of unemployed population within the civilian labor force. A high percentage
represents that an area has a high share of workers who do not currently have a
job but are actively looking for work. Without consistent work hours and
consistent wages, people face financial insecurity and unpredictability, which
can lead to other challenges and increased vulnerability.
This subset of the MassGIS 2016 Land Cover/Land Use data shows areas with commercial or mixed land use. Commercial areas may be able to provide resources, but if they are affected by a hazard, it may have economic impacts.
This subset of the MassGIS 2016 Land Cover/Land Use data shows areas with industrial land use. Climate impacts on these areas may have economic or ecological implications.
To promote and protect water-dependent industrial
uses, the Commonwealth of Massachusetts has established 10 Designated Port
Areas (DPAs). DPAs have features important for water-dependent industrial
uses—such as commercial fishing, shipping, and other vessel-related marine
commercial activities—and/or for manufacturing, processing, research, and
production activities that require marine transportation or access to large
volumes of water.
Environmental justice (EJ) populations, i.e., block groups are defined in Chapter 8 of the Acts of 2021 and the 2021 EEA EJ Policy. EJ populations are those segments of the population that EEA has determined to be most at risk of being unaware of or unable to participate in environmental decision-making or to gain access to state environmental resources or are especially vulnerable. 2020 block groups, updated in Nov 2022.
Percent of population 25+ years old without high school diplomas or post-secondary degrees. This group can face limited employment prospects, higher unemployment rates, and lower earnings - which can lead to financial insecurity. Not completing high school or post-secondary education is also linked to a variety of factors that can negatively impact health. ACS 2017 - 2021.
Actions to Consider
Communities can take a number of steps to build resilience to the impacts of coastal flooding on the local economy. Some actions may include:
Communities can take a number of steps to build resilience to the impacts of coastal flooding on the local economy. Some actions may include:
Provide education and resources that help businesses prepare for climate change. Partner with local Chambers of Commerce, Downtown or Main Street organizations, and organizations connected to minority, women, or veteran-owned businesses (for example, Black Owned Brockton). Begin by educating businesses on local coastal flooding and other climate change projections and invite discussions on gaps in preparedness and resource needs. Identify and train one or more paid resilient business liaisons who can facilitate access to resources that close those gaps and provide education on pertinent topics like adapting work practices in hazardous conditions. Some metrics to track include number of businesses engaged, number taking advantage of grants and other resources, and those with adapted work practices. Identify opportunities to build long-term capacity to maintain resilient business liaisons.
See the MVP 2.0 "Green & Resilient Business Initiative" Seed Project one-pager for more details and ideas.
Work with impacted stakeholders to help them understand their current and future risk from flooding. Provide resources to assist property owners and businesses with physical improvements to better prepare for storm and flooding events. Flood resilient design may include landscaping improvements such as permeable paving surfaces, rain gardens, bioswales, and green infrastructure. Flood resilient construction may include elevating mechanical equipment, using water resistant building materials, and sealing the building's exterior to flood waters. Provide technical and financial assistance to develop and implement said improvements. Work with the business community to market your resilient business toolkits and provide training sessions.
Explore these tool kits from the city of Cambridge to learn more about economic resilience:
Help businesses build capacity to withstand and quickly recover from more frequent climate events like flooding. Engage community liaisons or other trusted members of the local business community to identify local businesses and worker needs related to flood events. Informed by community needs and resources, provide education on current and projected risk, utilize liaisons to help businesses complete emergency response plans (see guides and templates from the Small Business Administration), and link businesses and employees to available resources. Consider conducting a flooding drill or tabletop exercise to reinforce concepts and identify further planning needs.
Explore MVP Projects
Explore the MVP-funded projects below:
Explore the MVP-funded projects below:
- ×Nantucket
FY20 Action Grant
$78,000 Award
The Town of Nantucket developed a public
awareness toolkit incorporating information on flooding adaptation strategies
for private property owners in the Nantucket National Historical Landmark
District, design guidelines for the Town’s locally designated historic
districts, and a Resilient Nantucket statewide workshop to address flood risk,
public awareness strategies and design guidance for adapting historic districts
to a future of flooding.
Project website: Resilient Nantucket
Case study: Nantucket FY20 Resilient Nantucket - Designed for Adaptation
FY20 Action Grant
$78,000 Award
The Town of Nantucket developed a public
awareness toolkit incorporating information on flooding adaptation strategies
for private property owners in the Nantucket National Historical Landmark
District, design guidelines for the Town’s locally designated historic
districts, and a Resilient Nantucket statewide workshop to address flood risk,
public awareness strategies and design guidance for adapting historic districts
to a future of flooding.
Project website: Resilient Nantucket
Case study: Nantucket FY20 Resilient Nantucket - Designed for Adaptation
- ×Sandwich
FY22 Action Grant
$79,789
Award
This project worked with Town of Sandwich department
heads, the Chamber of Commerce, and MassDOT to develop flexible adaptation
pathways and design priority near-term implementation projects to reduce
vulnerability to sea level rise and storm surge in Historic Sandwich Village.
The project included outreach to local partners and the public via the Heritage
Museums & Gardens.
Project website: Sandwich Coastal Resilience Program (arcgis.com)
Case study: Sandwich FY22 Dynamic Adaptation Pathways & Prioritized Resilient Design Solutions for Historic Sandwich Village
FY22 Action Grant
$79,789
Award
This project worked with Town of Sandwich department
heads, the Chamber of Commerce, and MassDOT to develop flexible adaptation
pathways and design priority near-term implementation projects to reduce
vulnerability to sea level rise and storm surge in Historic Sandwich Village.
The project included outreach to local partners and the public via the Heritage
Museums & Gardens.
Project website: Sandwich Coastal Resilience Program (arcgis.com)
Case study: Sandwich FY22 Dynamic Adaptation Pathways & Prioritized Resilient Design Solutions for Historic Sandwich Village

- ×Fairhaven
- ×New Bedford
FY20 Action Grant
$58,662
Award
Using
Woods Hole Group’s Massachusetts Coast Flood Risk Model (MCFRM) data
projections for 2030, 2050, and 2070, the City of New Bedford & Fairhaven
(FY20) developed New Bedford Harbor Resilience Design Guidelines for use in
future development to avoid future impacts related to sea level rise and storm
surge projections. These guidelines incorporated nature-based solutions into
new development and redevelopment to maximize climate mitigation.?The project
also created a Maritime Business Resilience Toolkit.
Learn more: New Bedford FY20 New Bedford Harbor MC-FRM Evaluation and Resilience Design Guideline Development
FY20 Action Grant
$58,662
Award
Using
Woods Hole Group’s Massachusetts Coast Flood Risk Model (MCFRM) data
projections for 2030, 2050, and 2070, the City of New Bedford & Fairhaven
(FY20) developed New Bedford Harbor Resilience Design Guidelines for use in
future development to avoid future impacts related to sea level rise and storm
surge projections. These guidelines incorporated nature-based solutions into
new development and redevelopment to maximize climate mitigation.?The project
also created a Maritime Business Resilience Toolkit.
Learn more: New Bedford FY20 New Bedford Harbor MC-FRM Evaluation and Resilience Design Guideline Development
Related Guides
Explore how coastal flooding causes service disruptions and damage to various infrastructural systems.
Explore how coastal flooding causes service disruptions and damage to various infrastructural systems.
Explore how coastal flooding impacts areas differently
depending on the types of land cover and types of land use in coastal
communities.
Explore how coastal flooding impacts areas differently
depending on the types of land cover and types of land use in coastal
communities.