Tropical Cyclone Melissa is the thirteenth named cyclone and the fifth hurricane of the 2025 Atlantic Hurricane Season. From 25 to 27 October, Tropical Cyclone Melissa moved very slowly westward, passing nearly parallel to the southern coast of Jamaica at a minimum distance of about 110 mi (180 km).

The final runs of the CCRIF tropical cyclone loss model for wind and storm surge produced government losses for Jamaica. The government losses for Jamaica are above the Attachment Point of the Tropical Cyclone policy and therefore a payout of US$ 70,803,832 is due.

By 28 October, Melissa further strengthened and turned north-northeastward, approaching Jamaica. By 1200 UTC, the entire island was experiencing tropical-storm-force winds, with hurricane-force conditions affecting parts of the southern and southwestern regions before and during landfall, which occurred near New Hope, Westmoreland around 1700 UTC.

A magnitude 5.0 earthquake occurred at 09:16:21 (UTC) on 15 September 2025, located at 51.3 km (31.9 mi) NW of Falmouth, Saint Paul, Antigua and Barbuda; 28.9 km (17.9 mi) SSW of Anse-Bertrand, Guadeloupe, Guadeloupe and 43.9 km (27.3 mi) S of Le Moule, Guadeloupe, Guadeloupe. Initial estimates from the United States Geological Survey (USGS) located the epicentre of the event at 16.719°N, 61.423°W, and at a depth of 60.7 km (37.7 mi).

This event briefing describes the impact of rainfall on Turks and Caicos Islands, which was associated with a Covered Area Rainfall Event (CARE) starting on 19 August and ending on 19 August 2025, this CARE is associated to Hurricane Erin. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Turks and Caicos Islands’ Excess Rainfall policy, and therefore no payout is due to the Government of Turks and Caicos Islands.

This event briefing describes the impact of rainfall on British Virgin Islands, which was associated with a Covered Area Rainfall Event (CARE) starting on 16 August and ending on 18 August 2025, this CARE is associated to Hurricane Erin. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of the British Virgin Islands’ Excess Rainfall policy, and therefore no payout is due to the Government of the British Virgin Islands.

This event briefing describes the impact of rainfall on Sint Maarten which was associated with a Covered Area Rainfall Event (CARE) starting on 16 August and ending on 18 August 2025, this CARE is associated to Hurricane Erin. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Sint Maarten’s Excess Rainfall policy, and therefore no payout is due to the Government of Sint Maarten.