The final runs of the CCRIF tropical cyclone loss model for wind and storm surge have produced government losses for The Bahamas for all the three Tropical Cyclone policies active for the country, specifically for The Bahamas – Northwest, The Bahamas – Central and The Bahamas – South East, due to Tropical Cyclone Imelda.

The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of the excess rainfall policies for The Bahamas-Central and The Bahamas – South East, and therefore no payout is due for these policies. However, the CARE activated the WST Endorsement1 for the Excess Rainfall policy for The Bahamas – Central, since the Wet Index was above the WST Payment threshold.

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.

This event briefing describes the impact of rainfall on Jamaica, which was associated with a Covered Area Rainfall Event (CARE) starting on 27 October 2025 and ending on 30 October 2025, this CARE is associated with Tropical Cyclone Melissa. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was above the attachment point of Jamaica’s Excess Rainfall policy, and therefore a payout of US$21,085,8560 is due to the Government of Jamaica on its Excess Rainfall policy.

This event briefing describes the impact of rainfall on Haiti, which was associated with a Covered Area Rainfall Event (CARE) starting on 28 October 2025 and ending on 29 October 2025 associated with TC Melissa. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Haiti’s Excess Rainfall policy, and therefore no payout is due to the Government of Haiti on its Excess Rainfall policy.

The preliminary runs of the CCRIF tropical cyclone loss model for wind and storm surge produced government losses for The Bahamas-Central and The Bahamas-South East due to Tropical Cyclone Melissa, and therefore Melissa is designated as a Loss Event1 for The Bahamas-South East and The Bahamas-Central.

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.

The runs of the CCRIF CWUIC model produced losses greater than zero for Montserrat Utilities Limited (MUL) under its CWUIC policy due to this rainfall event. The losses for MUL are below the Attachment Point of its CWUIC policy and therefore this occurrence is designated as a Loss Event for Montserrat. Therefore, no payout is due under the Utility’s policy.

This event briefing describes the impact of rainfall on Montserrat which was associated with a Covered Area Rainfall Event (CARE) starting on 16 October and ending on 18 October 2025. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Montserrat’s Excess Rainfall policy, and therefore no payout is due to the Government of Montserrat. This CARE did not activate the Wet Season Trigger1 endorsement of Montserrat’s Excess Rainfall policy and therefore no payout under this endorsement is due.