
Hurricane Melissa came ashore in western Jamaica on 28 October 2025 with sustained winds near 185 mph. The Planning Institute of Jamaica put total damage and loss at J$1.952 trillion, about US$12.2 billion, equal to 56.7 per cent of the country's 2024 gross domestic product. The PIOJ's own projection is three to five years to get back to the output we had before it.
The Caribbean Catastrophe Risk Insurance Facility paid out US$70.8 million on Jamaica's tropical cyclone policy, its largest payment in its history, and US$21.1 million on the excess rainfall policy. US$91.9 million against US$12.2 billion of loss. Three quarters of one per cent.
I have spent the last three years at the Department of Physics at UWI Mona building climate models, and the reason sits underneath both of those numbers. It has nothing to do with whether anyone saw Melissa coming. Everyone saw Melissa coming. The gap is between knowing a hurricane is coming and knowing what it will do to a particular place.
The Model Stops at the Coastline
Take the regional climate projections that Caribbean governments actually use for planning. They run at 25 to 50 km grid spacing. At 50 km, between 12 and 20 degrees north and 64 and 56 degrees west, there is no land grid point at all. Antigua, Dominica, Saint Lucia, Barbados, Grenada: all ocean. The nearest land the model knows about is 500 km away in Puerto Rico or Venezuela. Cantet and colleagues documented this in Tellus A in 2014 and it has not changed.
Jamaica is big enough to survive. The island fills four to six cells depending on where the lattice falls, so the model knows we exist. What it does not know is our shape. Blue Mountain Peak reaches 2,256 m. A 50 km cell holds the average of everything inside it, and along the line of the trade winds that average works out to about 851 m. The mountain becomes a bump.
That is not a cosmetic loss, because in Jamaica the shape is the climate. The north-eastern slopes of the Blue Mountains take 3,000 to 5,000 mm of rain a year. The southern coastal plains of St Catherine and Clarendon take under 1,500 mm. Twenty kilometres apart, a factor of three to four in annual rainfall, and in the model both get the same number.
What the Cell Throws Away
The physics here is old and simple, which is what makes the loss so annoying.
A parcel of air leaves the sea on the north-east coast at 28 °C with a dewpoint of 24 °C. The trade wind pushes it up the slope. It cools at 9.8 K per kilometre until temperature and dewpoint meet, which given a 4 K dewpoint depression happens at about 500 m. That is cloud base, and you can see it on any clear morning in Portland. Above it the air is saturated and cools more slowly, around 5 K per kilometre in air this warm, arriving at the summit near 14 °C.
On the way up, the mixing ratio falls from 19.0 to 13.3 grams of water per kilogram of air. The 5.6 grams that went missing fell as rain on the windward slope. The parcel that comes over the top has been wrung dry, so on the way down it warms at the full dry rate and reaches the leeward plain near 36 °C.
That is why Portland is the wettest parish and St Elizabeth is where we get droughts. It is one mechanism, it happens over about twenty kilometres, and a 50 km cell has exactly one elevation, so it has exactly one lapse-rate path. The ascent, the rain and the drying all collapse into a single number.
The Load Is Not the Wind
Now move from rain to damage, because this is where the resolution problem turns into a body count.
Wind does not push on a building in proportion to its speed. It pushes in proportion to dynamic pressure:
With warm, moist air at about 1.15 kg m−3, Melissa's 185 mph landfall wind gives q = 3.93 kPa. A Category 2 wind of 110 mph gives 1.39 kPa. The stronger storm is 68 per cent faster and applies 2.83 times the load.
Take that to a roof. Building codes give a net uplift coefficient of about 1.08 over the field of a low-slope roof and up to 2.18 at the corners. At Melissa's landfall wind that is 4.25 kPa over the field, which on a 100 m² roof is 425 kN, about 43 tonnes-force trying to lift the roof off the walls. At the corners it is roughly double that per square metre, which is why corners go first and why hurricane straps are specified where they are.
The square law has a second consequence that matters more for my work than the first. If the model's predicted wind is 20 per cent wrong, the predicted load is 44 per cent wrong. Forecast error does not pass through to structural consequence unchanged; it gets amplified on the way.
From a Field to a House
A kilometre-scale wind and rainfall field is an input, not an answer. What I want out of it is a three-dimensional scene: terrain, buildings, vegetation, drainage, and the storm running over all of it.
Two things happen in that scene that a coarse field cannot produce. The first is topographic speed-up. Air accelerating over a ridge of moderate slope gains around 40 per cent in speed at the crest, which by the square law is roughly double the load. A house on a ridge and an identical house on the plain a kilometre away are in two different storms, and only one of them is in the storm the forecast described.
The second is water routing, which is where the nine minutes comes from. Peak discharge from a small catchment follows the rational method, Q = CiA. Channel velocity follows Manning. For a 4 km² catchment under 80 mm of rain an hour, that is 62 m³ s−1 moving at 5.3 m s−1. A settlement 2.8 km down the gully has about nine minutes from the moment that water starts moving.
Nine minutes is something a parish disaster coordinator can use. A regional rainfall anomaly is not. That difference is the entire argument for doing this at sub-kilometre scale, and it is why I care more about the last step of the chain than the first.
Why This Can Be Cheap
The obvious objection is that everybody already knows finer models are better, and the reason we do not have them is that they cost too much to run. That is true of dynamical models and it is true for a specific reason.
Halving the grid spacing quarters the cell area, so the cell count goes as the inverse square. A dynamical model also has to shorten its timestep to keep the Courant condition, Δt ≤ Δx/c, or the numerics fall apart. So the step count goes as the inverse first power on top of the cell count, and refining the vertical as well takes the exponent to four. Going from 50 km to 1 km is a factor of 125,000 in two dimensions and 6.25 million in three. Then multiply by the ensemble size you need to say anything about uncertainty.
An emulator has no timestep to shorten. Its total work still grows with the cell count, so it still grows as the inverse square, but the constant in front is a forward pass rather than a full integration, and a decomposed emulator evaluates each subdomain independently. The subdomains do not wait for one another. Wall-clock time becomes a function of how many you can run at once, which is a procurement decision instead of a physical limit.
This is the part of the argument I am most confident about, because it is arithmetic rather than a claim about model skill. It is also the part that makes the goal reasonable. If the memory a device needs is set by the size of one subdomain instead of the size of a country, then in principle a phone can run the subdomain that covers its own neighbourhood. I have not demonstrated that. The scaling argument is established; the deployment is not.
What I Am Actually Building
The technical contribution is narrower than the vision, which is how it should be.
Physics-constrained downscaling already exists and works. The constraint people enforce is that the coarsened prediction should equal the coarse input, which is a statement about how the fine field relates to the coarse field across scales. That constraint has a dependency its own authors flagged: it assumes the coarse field is an unbiased average of the fine field. In a controlled experiment that is true by construction, because the coarse field was made by averaging the fine one. With a real global model driving it, it is false, and CMIP-class models have documented precipitation biases over the Caribbean.
There is a second conservation law that I have not found enforced anywhere in this literature. What leaves one subdomain through a face should equal what enters its neighbour through the same face. That constraint binds the fine field to itself rather than to the driver, so it does not inherit the driver's bias. The two laws are independent: you can satisfy either one while badly violating the other.
Then there is where the subdomain boundaries go. Every decomposed method in the field partitions on a regular lattice, because tensors are rectangular. Since the constraint acts on faces, face placement decides where the strongest physics in the model is doing its work. A face along a ridge crest separates two genuinely different air masses. A face drawn across a windward slope cuts one process in half and makes the model rebuild it through a penalty term.
The work I have described is doctoral research at the Climate Studies Group Mona, in the Department of Physics at UWI Mona, where Caribbean climate science has been done since 1994. The theory is written. The pipeline is being built. There are no results yet, and the figures in this article are either computed directly from the equations printed on them or labelled as schematics.
Melissa was a Category 5 at landfall and it cost more than half of a year's national output. Another storm at that scale will hit the Caribbean again. How much warning a specific hillside gets, and how precise that warning is, depends on work like this getting finished.
What to do next
Most readers of this piece are on the buying or using side of climate information. These are the steps I would take now, before any sub-kilometre system exists.
- Procurement officers buying climate or risk data for a ministry, utility or insurer: ask the vendor, in writing, for the native grid spacing of the underlying simulation on land. A product advertised at 10 km over the Caribbean may be interpolated from something much coarser, and the answer takes the vendor five minutes if they know it.
- The same buyers: ask what one run costs, in currency, per simulated year. Almost nobody in this field publishes that number, and it decides whether you can afford the ensembles you need or only the single run the vendor demonstrated.
- Technical reviewers on a tender panel: ask for the degradation curve when the driving model is biased, not the headline skill score, and ask what result would count as the model failing. If nobody can answer the second question, you are buying a demonstration.
- Parish disaster coordinators: list the settlements that sit below small, steep catchments. For those places the time from intense rain to a flood wave can be under ten minutes, as in the worked example above, so warnings there have to be triggered by the rainfall rate on the catchment, before anyone downstream can see the water rise.
- Homeowners and builders on ridges and hilltops: assume your roof carries up to twice the wind load of the same roof on the plain. Check that hurricane straps are fitted at every rafter, starting at the corners and edges where uplift is highest, before the next season begins on 1 June.
Frequently Asked Questions
What is the difference between a weather forecast and a climate projection?
A weather forecast predicts the state of the atmosphere at a particular place and time, days ahead, starting from today's observations. A climate projection describes the statistics of weather, such as average rainfall or the frequency of extreme storms, over decades under a given emissions scenario. The resolution problem in this article affects both, but it matters most for projections, because they run for so long that they are usually computed on coarse grids to keep the cost down.
What is an emulator in climate modelling?
An emulator is a machine learning model trained to reproduce the output of a physics-based model, so it can produce similar fields in a fraction of the computing time. It does not replace the physics model; it learns from it, and its accuracy is limited by the quality and range of the simulations it was trained on. Physics-constrained emulators add conservation laws to the training so that the output cannot violate basic physical balances.
Why did CCRIF pay out so little compared with Melissa's damage?
CCRIF sells parametric insurance, which pays according to a modelled loss calculated from the storm's measured hazard, such as wind speed and rainfall, not according to damage assessed on the ground. How much a country receives depends on the coverage it bought: the attachment point, the exhaustion point and the premium, and small island states usually buy cover for only a slice of possible losses. It is designed to deliver fast cash for the first weeks of response, with payment due within 14 days of an event; rebuilding has to be financed from other sources.
Where can I find official climate information for Jamaica now?
For forecasts and warnings, the Meteorological Service of Jamaica is the official source. For long-term observed trends and projections, the Climate Studies Group Mona publishes the State of the Jamaican Climate reports, and the Caribbean Community Climate Change Centre in Belize publishes regional projections and tools. For hurricane track and intensity forecasts, the US National Hurricane Center issues the advisories the Met Service uses.
Is sub-kilometre climate information available to buy today?
Kilometre-scale runs exist for some regions and events, and several commercial vendors sell high-resolution risk layers, but few are built from native sub-kilometre simulation over Caribbean islands. Many are statistical downscaling or interpolation of coarser models, which can look detailed while missing the orographic physics described here. Use the procurement questions in the section above to find out which kind you are being offered.
My UWI profile is here. The technical version of this argument, with the conservation-law derivation and the pre-registered experiment, is on climatephysicsai.com.