Resilience of coastal communities is increasingly required to adjust to the effects of cli- mate change and its coast-related threats. Climate change is a major global threat to the environment, economy, and health of urban coastal lowlands. Flooding risks from both rising sea levels and increases in the frequency and severity of storm surges are considered to be amongst the most threatening consequences associated with climate change. The aim of this study was to assess the levels of socio-economic preparedness of low-lying urbanized towns in Malta for the impacts of coastal flooding through the triangulation of stakeholders’ participation from three sectors: the business community, local councils, and specialized experts from the governmental and private sectors. The study also included field collection of elevation data for each locality to capture the businesses’ distribution in relation to their height above sea level along the urban waterfront. One-way analysis of variance and NVivo were used to test and compare the business owners’ responses and the experts’ feedback, respectively. The main findings from the business community suggest that there are no long-term contingency plans or strategies in place to address potential flooding impacts from rising sea levels and storm surges, and that the risks of driving owners out of business is high. From the feedback received by the local councils, it was observed that all of them significantly lack the physical and financial resources to effectively manage long-term coastal flooding within their locality, forcing them to completely rely on central government for any future needs caused by the impact of coastal flooding. From a central government perspective, it seems that all interviewed experts operate within a fragmented governance model, and mainly adhere to the set of responsibilities aligned with their respective roles within such a governance model. This evidence of governance disconnect requires more horizontal and vertical integration of cross-sectoral strategies to address coastal flooding, within the broader framework of integrated coastal zone management as established by the Mediterranean ICZM protocol.