Climate risk assessment: Chelsea, MA

Current and future storm surge and stormwater flood risk under climate change in Chelsea, Massachusetts

Bellingham Square Historic District in Chelsea, MA

Backside of City Hall, Chelsea, MA / photo by James L. Woodward (CC BY-SA 3.0)


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Cover page of the Clesea, MA risk assessment


Floods are some of the most devastating natural disasters and are expected to worsen under climate change due to intensification of extreme precipitation and sea level rise. In this study, present and future flood risk in Chelsea, MA are examined through changes in the 1% annual chance flood event. Future rainfall and storm surge are estimated for two time periods, 2041–2060 (2050) and 2071–2090 (2080) representing the mid and late 21st century, respectively, using a regional climate model and established sea level rise rates for the Boston area.

The output of these simulations show that the historical 1% annual chance rainfall event will be 3x and 3.5x as likely in 2050 and 2080, respectively. The historical 1% annual chance storm surge event will be 3.8x as likely in 2050 and occur at least once a year by 2080.

Using these estimates as inputs into a flood model reveals significant increases in flood risk across Chelsea. The percentage of land area in Chelsea inundated by the historical 1% annual storm surge event will increase from 14% in the present time period to 19% in 2050 and 34% in 2080. While storm surge events cause the greatest flood extents, the 1% annual chance rainfall event impacts the greatest number of buildings in the present time period and 2050. However, the 1% annual chance of joint rainfall and storm surge events impacts the greatest number of buildings in 2080. This finding underscores the need for including pluvial flood modeling in federal flood maps.


The combustion of fossil fuels, deforestation, and other human activities release greenhouse gases (GHGs). These, in turn, have increased global average temperature at unprecedented rates. From 1901–2016, global average temperatures have already risen by 1°C (1.8°F;Hayhoe et al., 2018).The rate of warming is not attributable to natural variability, has no natural explanation, and is unequivocally the result of human influence (IPCC, 2021). The Paris Agreement aims to prevent the most catastrophic impacts of climate change by limiting global warming to 2°C (3.6°F). The response of Earth’s natural systems to the rapidly warming climate and human disruption will impact our quality of life for generations to come. Understanding and preparing for these changes is critical.

The impacts climate change has on the frequency and severity of physical hazards will put many communities at risk. Physical hazards include extreme precipitation events, severe storms, extreme heat events, and flooding. Socioeconomic consequences include adverse public health outcomes, loss of critical infrastructure, and agricultural yield reduction among others.

Flooding is the costliest and deadliest natural disaster in the United States (Perry, 2000; Miller et al., 2008). Flooding comprises three main risks: hazard, exposure, and vulnerability. Hazard refers to a destructive event (i.e. flooding), exposure represents the local community elements (e.g. people, buildings, infrastructure) that could be impacted by flooding, and vulnerability is the susceptibility of those community elements to consequences of flooding (e.g. lack of resilience planning).

Due to climate change, much of the Northeastern United States is expected to see an intensification of extreme precipitation events, and, therefore, flood events (Dupigny-Giroux, 2018). Already, increased rainfall intensities in the Northeast are expected to outpace any other region in the United States. In addition, accelerating sea level rise will lead to an increase in sunny day flooding and storm surges. Much of the infrastructure, such as drainage and sewer systems, in the Northeast is nearing its planned life expectancy, and climate-related events will put further strain on these infrastructure systems.

This focuses on flooding in Chelsea, MA and will examine how flood events will be different in the future under climate change. The report also discusses building exposure and general exposure across the area of interest.

There are three different types of flooding: fluvial, pluvial, and coastal. Fluvial (also known as riverine) flooding occurs when rivers exceed the boundaries of the river channel. Pluvial flooding occurs as a result of extreme precipitation events and is not associated with riverine flooding. This usually occurs when a stormwater system or soils cannot effectively drain or infiltrate rainfall leading to standing water. Coastal flooding occurs during storm surge or high tide events. Chelsea is vulnerable to coastal flooding because of the city’s significant coastline. Chelsea is vulnerable to pluvial flooding since rainfall can pond, so the city is largely reliant on the capacity of the stormwater system because 77% of the land area is impervious (OCM, 2018). The land cover present in Chelsea is shown in Figure 1. Areas of future development are also highlighted on the map, which will likely contain mixed use buildings and open space according to the proposed Chelsea Creek Municipal Harbor Plan and Designed Port Area Master Plan (City of Chelsea, 2021).

Research area
Figure 1. Land cover in Chelsea, MA.

Figure 1. Land cover in Chelsea, MA.

Project Overview

This study first explores the present flood risk in Chelsea using historical (also referred to as present) rainfall and storm surge data. We focus on the 1-in-100 year (1% annual chance event) due to the importance of this particular flood event in policy and land-use decisions as well as its regulatory significance. The Federal Emergency Management Agency (FEMA) determines flood risk and properties required to purchase flood insurance mainly through delineating the extent of the 1% annual chance event. A comparison is made between the flood modeling results generated in this study to the currently effective FEMA flood maps, which showcases the deficiencies in the present federal flood mapping methodology. An additional comparison of results is made between the results of this study and the Boston Harbor Flood Risk Model (BH-FRM)—a federal and state climate risk study for the greater Boston region—for validation purposes.

While pluvial and coastal flood simulations are often modeled separately, both can occur simultaneously in real-world events. We draw on the work from Wahl et al. (2015), who showed a statistically significant Kendall’s Tau rank correlation between storm surge and rainfall events in Boston of 0.34 using the past 30 years of data. Moreover, it was shown that the correlation has been statistically significant since 1970 where it was calculated to be 0.2 and has increased since then. Based on this finding, the range of scenarios examined in this study were expanded to include a joint probability event. Joint events have the propensity to cause severe flooding as rainfall cannot flow out to sea through the stormwater system when storm surge flows into the outfalls. This leads to ponding at the surface near elevation depressions.

Here we zoom in on how this will impact Chelsea at a more local scale by using climate model simulations to calculate future rainfall in two future periods: the mid-21st century climate (2041–2060) and the late 21st century climate (2071–2090). To estimate future storm surge heights for the two future time periods, we draw on sea level rise estimates generated from the literature which uses the latest knowledge on local sea level processes, ice sheet dynamics, and ocean currents.

The results from the rainfall analysis and the sea level rise estimates are used as inputs into a flood model to simulate future flood events. We present results from the late 21st century as this is relevant for large infrastructure projects; the design life of many infrastructure systems such as rail tracks, bridges, transmission lines, generating plants, water treatment and wastewater treatment plants, and stormwater systems usually have a 50-year or longer design lifetime (Gibson, 2017). Furthermore, many of these installations are often used beyond their design period, which means it is likely that infrastructure built in 2020 will still be in use by the late 21st century. Presenting projected flood risks in the 2071–2090 time frame allows planners to incorporate information on future flood risks in policy choices and the chance to mitigate flood losses. The flood risk analysis extends to an assessment of how flood extents and the number of buildings impacted, including federally assisted rental units, changes across time periods and flood scenarios.

Finally, we include a brief analysis on the change in monthly flood insurance premiums due to FEMA’s implementation of Risk Rating 2.0 on October 1, 2021. We analyze how many single-family home policies will increase or decrease in premium price as well as all policies in Chelsea.

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