Cyclone Reinsurance Pool Statistics Report September 2025
Cyclone Reinsurance Pool Statistics Report September 2025
The cyclone pool operates Australia wide, but targets support to cyclone-prone areas and provides reinsurance for insurers operating in those areas.
The Cyclone Reinsurance Pool Statistics Report is released quarterly and provides an overview on cyclone claims activity and claims trends.
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.