While Hurricane Melissa struck Jamaica as one of the strongest hurricanes on record, causing widespread property damage, insured losses in the US were minimal. Tropical Storm Chantal brought localized wind and rain to the Carolinas but no hurricanes made US landfall. The limited US impact reduces claims payouts for insurers in high-risk states, including Florida, Texas, and Louisiana, and stabilizes underwriting results for personal and commercial property lines, according to the report.