December is fast approaching, and in much of North America and Europe the crisp days and golden colors of autumn are giving way to a world of sparkling lights, frenzied shoppers, and the sense of merriment that comes with the onset of the festive period. At this time of year, an equally marked transition takes place within the catastrophe risk management community, as the Atlantic hurricane season closes and attention shifts to the onset of the December to February (or, in meteorological parlance, DJF) peak season for European windstorm risk.
However, three notable early season wind events have already impacted Europe during the earlier part of this current windstorm season. These are windstorm Xavier (October 5; Germany, Poland, and Czech Republic), ex-hurricane Ophelia (October 16; Ireland), and windstorm Herwart (October 29; Germany, Poland, Czech Republic, and Austria). The earliest of these, Xavier, formed just one day after the Category Five Hurricane Maria dissipated — at a time when the attention of the global insurance market was firmly focused on the other side of the Atlantic.