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Hurricane Melissa

MIS RESPONSE TO 2025'S MOST IMPACTFUL HURRICANE

A DESTRUCTIVE LATE-SEASON STORM

Hurricane Melissa was the 13th named storm of the 2025 Atlantic hurricane season and the third major hurricane of the year.

Despite a relatively quiet year, especially in comparison to 2024, Melissa rapidly intensified to maximum Category 5 strength, posing a serious threat to the countries in its path.

It made landfall in New Hope, Jamaica on 28 October 2025 with sustained wins of 185mph, marking the worst hurricane to ever hit the Caribbean island.

Melissa later impacted Haiti, Cuba, the Bahamas and Turks & Caicos with significant rainfall, storm surge and hurricane-force winds as it travelled up the Atlantic.

The effects of Melissa continue to be felt across the region, where Jamaica is mounting a major recovery effort to support those most in need.

THE MIS RESPONSE

The MIS team released the Pre Event Report on GEO for Hurricane Melissa on 22 October, which showed the Predicted Track, Predicted Arrival Times, and Cone of Uncertainty.

On 23 October, the GEO report was updated to include Wind Speed Probability and Potential Storm Surge layers, identifying areas which could be at risk from the expected wind damage and storm surge.

Pre-event intelligence was added to the report each day up until October 29, after Melissa had made landfall.

The MIS team added the first Wind Exposure Layer to the GEO report on 29 October and also shared a Confirmed Incidents layer to highlight where things like flooding, building damage and landslides had been recorded in Jamaica.

On 30 October, the team released the first Satellite Imagery for this event, covering a number of areas across Jamaica that had been affected by Melissa to capture buildings that had visibly sustained damage.

By 31 October, the GEO report was updated with 2,000 Building Level Damage Assessments and Wind Claims Grids, enabling clients to get ahead of incoming claims and understand exactly how insured locations had been damaged.

There was also the release of additional Satellite Imagery for more regions across Jamaica.

After collecting further data over the weekend, the team made comprehensive updates to the report again on 02 November, adding 8,000 Building Level Damage Assessments, High-Resolution Aerial Imagery and Expanded Wind Claims Grids covering more affected areas.

More refinements were made to the report on 03 November, with more Building Damage Assessments, new Wind Claims Grids and increased Aerial Imagery coverage.

04 November saw more expansion of the Wind Claims Grids covering more impacted locations and 05 November further refined the Wind Claims Grid whilst adding new Building Damage Assessments for Santa Cruz and imagery for Bethel Town and Pitfour.

06 and 07 November featured more refinements to the Claims Grids and Building Damage Assessments, plus new imagery covering Montego Bay and May Pen.

Updates on 10 and 11 November included further Claims Grid refinements and the release of new Wind Intelligence Pictures.

The final two releases for this report came on 13 and 17 November, which covered updates to both the 1km and 200m Claims Grids, plus final Building Damage Assessments for Falmouth, Black River and Negril.

Watch the video below for an overview of MIS Intelligence around Hurricane Melissa:

 

355,212 In-force client locations within MIS Claims Layers
13,097 BUILDING LEVEL DAMAGE ASSESSMENTS MADE BY MIS TEAM
22 GEO report updates for Hurricane Melissa

Claims Layer Updates and new Building Damage Assessments

Refinements to the 1km and 200m Claims Grid and new Building Damage Assessments for Negril - End of Report

Screenshot 2025-11-18 at 12.24.19

 

Claims Layer Updates and new Building Damage Assessments

Refinements to the 1km and 200m Claims Grid and new Building Damage Assessments for Black River and Falmouth

Screenshot 2025-11-18 at 12.22.50

 

Claims Layer Update and new Wind Intelligence Picture

Refinements to the 1km Claims Grid and updated Wind Intelligence Picture Quickview

Screenshot 2025-11-17 at 14.58.04

 

Claims Layer Update and new Wind Intelligence Picture

Refinements to the 1km Claims Grid and new Wind Intelligence Picture Quickview

Screenshot 2025-11-18 at 12.19.13

 

New Imagery, Claims Layer and Building Damage Assessments Update

Refinements to the 1km Claims Grid and new Building Damage Assessments for Santa Cruz, plus Aerial Imagery for Montego Bay and May Pen.

Screenshot 2025-11-18 at 12.17.47

 

Claims Layer and Building Damage Assessments Update

Refinements to the 1km Claims Grid and new Building Damage Assessments for Santa Cruz

Screenshot 2025-11-18 at 11.35.09

 

New Imagery, Claims Layer and Building Damage Assessments Update

Refinements to the 1km Claims Grid and new Building Damage Assessments for Santa Cruz, plus Aerial Imagery for Bethel Town and Pitfour.

Screenshot 2025-11-18 at 12.15.46

 

Claims Layer Update

Refinements to the 1km Claims Grid

Screenshot 2025-11-04 at 16.24.22

 

Building Level Damage Assessments

1,000+ new building level damage assessments, expanded wind claims grids and additional aerial imagery

Screenshot 2025-11-03 at 16.56.06

 

Intelligence Picture

8,000+ new building level damage assessments, expanded wind claims grids, first release of aerial imagery and MIS Intelligence picture quickview

Screenshot 2025-11-02 at 16.51.43

 

Building Level Damage Assessments and Claims Layer

Release of 2,000 building level damage assessments, detailed wind claims grids, satellite imagery for multiple areas across Jamaica and refined wind exposure layer

3-Nov-03-2025-11-25-45-9966-AM

 

Satellite Imagery

Release of the first satellite imagery of Falmouth and Santa Cruz, Jamaica plus wind exposure layer refinements

Screenshot 2025-10-30 at 15.15.24

 

Wind Exposure Layer

First release of the wind exposure layer for Jamaica with 1,500,000 exposed in-force client locations, plus pre-event updates including potential storm surge layer for the Bahamas and Turks & Caicos

Screenshot 2025-10-29 at 16.11.27

 

Pre-Event 6

New confirmed incidents across Jamaica, plus updates to pre-event information including, potential storm surge layer, wind strength  probability and predicted path 

Screenshot 2025-10-28 at 18.01.54

 

Pre-Event 5

Updates to pre-event information including evacuation orders, wind strength  probability and predicted path 

Screenshot 2025-10-27 at 13.31.35

 

Pre-Event 4

Updates to pre-event information including wind strength probability, predicted path and cone of uncertainty 

Screenshot 2025-11-04 at 10.58.04

 

Pre-Event 3

Updates to pre-event information including wind strength probability, predicted path and cone of uncertainty

Screenshot 2025-10-24 at 11.48.44

 

Pre-Event 2

Updates to pre-event information including wind strength probability, predicted path and cone of uncertainty

Screenshot 2025-11-04 at 11.05.26

 

 

Pre-Event 1

Report added to GEO, covering pre-event intelligence including predicted path, predicted arrival times and wind strength probability layer

Screenshot 2025-11-04 at 11.07.12

 

misgeo.io_(High Res Screenshot)

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Building Level Damage Assessments

Wind Claims Grid

Wind Intelligence Picture

Aerial Imagery

Satellite Imagery

Wind Exposure Grid

Confirmed Incidents

National Infrastructure

Potential Storm Surge

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EVENT GALLERY

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FULL REPORT AVAILABLE ON GEO

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