In Massachusetts, particularly on the South Shore, Cape Cod and Islands, floods are a frequent natural disaster.


With roots on the Massachusetts coast, our personal insurance team knows a thing or two about flood insurance. Your standard homeowners insurance does not include flood coverage, therefore it’s important to obtain a separate flood insurance policy. Typically, if your property is located on – or adjacent to – a flood plain, and you have a mortgage, you are required by law to carry flood insurance coverage. 

We’ve all heard the term “100-year flood” … but remember, even if you’re miles from the closest ocean shoreline, you may not be safe from flooding. As evidenced by recent storms, floods can come in the form of a mid-winter blizzard’s storm surge or flash flooding from heavy, torrential spring rain. 

With RogersGray you have flood insurance options. The federal government offers flood insurance coverage through the National Flood Insurance Program (NFIP) and there are several Private Flood Insurance programs available as well.Falmouth, MA Resident


A client’s second home in Orleans was a single-family home with a walk-out basement. With the NFIP, second homes and older structures are rated with an increase of 25%. Through this program, the client was paying an annual premium of $6,700.

Due to the fact that the residence had a walk-out basement and therefore did not have a basement that was below grade on all sides, RogersGray was able to beat the NFIP’s rate drastically. Coverage stayed at $250,000 building coverage and the private flood premium was reduced to $1,892 per year. As an added bonus, the premium will also not increase at 25% a year!

Orleans, MA Resident



From Hull and Scituate to Provincetown and Nantucket, and all the coastal towns in between, RogersGray has you covered.



Rossi is a nationally recognized flood specialist. Joining RogersGray in 2017, Rossi provides a vast depth and understanding of coastal flood issues and legislation.

He has acquired his associate of national flood insurance (ANFI) and the certified floodplain manager (CFM) certification in 2016, one of the highest certifications in the flood insurance industry.

Rossi is a member of the board of directors for the National Flood Determination Association, a trade organization for producers of flood zone determinations.

Complete Credentials & Boards

  • Chair and Executive Director, Massachusetts Coastal Coalition
  • Chair, National Flood Association Legislative Committee
  • Board Member, Independent Insurance Agents and Brokers Flood Insurance Task Force
  • Board Member, Massachusetts Floodplain Managers Association
  • Chair, Marshfield Community Rating System Committee
  • Member, Association of State Floodplain Managers

Learn more about Joe or book him for a speaking engagement by clicking below.