ARPC publishes quarterly Cyclone Pool statistics as at 30 September 2025

22 December 2025

Australian Reinsurance Pool Corporation (ARPC) today released the latest quarterly statistics for the Cyclone Reinsurance Pool (cyclone pool), providing an overview of premiums, exposures, coverage and claims as at 30 September 2025.

Key findings

The cyclone pool now reinsures approximately 3.2 million buildings. For the September 2025 quarter:

• Total annual cyclone pool premium reached $648 million, across Home, Strata and SME policies.
• The average annual cyclone pool premium was $187 for Home, $761 for Strata, and $238 for SME risks.

Regional exposure insights

Consistent with earlier quarters, the highest Home building premiums occur in the most cyclone-prone regions including Mackay, Proserpine and Offshore Islands, Cairns, Kununurra–Broome, and the Pilbara, reflecting elevated hazard levels and higher wind risk bands.

Mitigation measures and premium discounts

ARPC continues to support premium discounts for eligible mitigation activities such as roller door bracing, window protection, roof tie-downs, and complete roof replacement.

As at 30 September 2025:

• A total of $8.6 million in mitigation-related premium discounts has been applied.
• Take-up is expected to rise as insurers enhance data collection and as policyholders respond to incentives, particularly those aligned with the Queensland Household Resilience Program.

Coverage across cyclone-related perils

Across Home, Strata and SME segments:

• 100% of risks reinsured by the cyclone pool have wind cover.
• Flood and storm surge cover vary by region and portfolio, with highest flood coverage in Far North Queensland and Northern Territory Home portfolios.

Claims activity

As at 31 October 2025, the cyclone pool has received 119,505 claims, with:

• Gross paid-to-date: $605 million
• Net incurred: $1.29 billion

Most claims relate to Cyclone Alfred (2024–25 season), accounting for more than 109,000 claims and $1.15 billion in net incurred losses. Claims for Cyclones Jasper, Kirrily, Sean and Zelia were also significant contributors to loss activity during the period.

Background on the cyclone pool

The cyclone pool, launched on 1 July 2022, is designed to improve insurance affordability in cyclone-prone regions while being cost-neutral to the Australian Government over the long term. It is supported by a $10 billion annually reinstated Commonwealth guarantee.

For media inquiries, please contact Alexander Drake, Head of Public Affairs and Communications on (02) 8223-6777 or [email protected]