Background on the Situation
The Mexico City government reported that recent heavy rains have affected approximately 1,400 homes and nearly 100 vehicles. The Mexican Insurance Association (AMIS) estimates that property damage claims related to atypical hydro-meteorological risks in 2025 could increase by 6% to 10% compared to previous years’ averages.
AMIS’s Perspective
Norma Alicia Rosas, the General Director of AMIS, highlighted that despite Mexico City not being a coastal entity, it accounts for one of the largest proportions of hydro-meteorological risk payouts. Most of these payouts are for corporate building damages, which have the highest insurance coverage.
Rosas also pointed out that Mexico City has a low insurance penetration, with only 17% of households insured. This represents a latent risk for thousands of families, especially evident during this rainy season.
Historical Rainfall Data
According to the National Water Commission (CONAGUA), rainfall in Mexico City during this wet season has increased by 43% compared to the previous year.
- In June alone, Mexico City received twice the rainfall compared to June 2024.
- Clara Brugada, the Head of Government of Mexico City, recently emphasized that the August 10 rains were the most intense in 73 years, since 1952.
- By August 20, 2025, Mexico City had recorded 662.18 mm of rainfall, surpassing the historical average of 530.14 mm for the same period.
Financial Implications and Recommendations
The average annual payout for hydro-meteorological risks insured in the country between 2012 and 2024 has been 6,700 million pesos. AMIS estimates that in 2025, the payout could reach around 7,370 million pesos under the most pessimistic scenario.
AMIS urges Mexicans to explore insurance options that protect their assets from weather-related incidents and other potential risks. Rosas stressed, “A family that suffers a mishap in a business or home with insurance can recover in two to three years, while those without insurance may take up to a decade to return to their initial situation. Insurance is a financial tool that contributes to societal resilience, and we must continue fostering this awareness among Mexicans.”
Key Questions and Answers
- Q: What is the expected increase in property damage claims due to recent rainfall? A: AMIS estimates a 6-10% rise in property damage claims related to hydro-meteorological risks compared to previous years’ averages.
- Q: Why is Mexico City particularly vulnerable to hydro-meteorological risks? A: Despite not being a coastal entity, Mexico City has one of the largest proportions of payouts for hydro-meteorological risks, mainly in corporate buildings with high insurance coverage.
- Q: How does the current rainfall season compare to previous years? A: Rainfall in Mexico City during this wet season has increased by 43% compared to the previous year, with notable events like double the June rainfall and the most intense August rains in 73 years.
- Q: What are the financial implications of the expected rise in claims? A: The average annual payout for hydro-meteorological risks insured in the country between 2012 and 2024 has been 6,700 million pesos. AMIS estimates that in 2025, the payout could reach around 7,370 million pesos under the most pessimistic scenario.
- Q: What does AMIS recommend for those concerned about hydro-meteorological risks? A: AMIS encourages Mexicans to explore insurance options that protect their assets from weather-related incidents and other potential risks, emphasizing insurance as a tool for societal resilience.
