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Calculation report · proof of concept · SKD-POC-01

La Réunion fringing reef: thermal-stress bleaching (2014-2021)

La Réunion, peak heat stress per season, 2013 to 2024
La Réunion, highest peak DHW of the reef sectors per season, 2013 to 2024. One cell = 2.5 DHW (°C-weeks); the line is the 3.4 DHW tier-1 trigger; amber cells reached it. NOAA Coral Reef Watch 5 km, backtest on public data.
Peril
Marine heatwave · coral bleaching
Source
NOAA Coral Reef Watch, 5 km Degree Heating Weeks
Period
2009 to 2024, weekly
Backtest
Scored against documented events
Hit rate83%documented bleaching years caught, 16 seasons
False positives20%paid in years without documented bleaching
Sectors triggered2limit EUR 250k per sector
Backtest payoutEUR 1.71Msum over all seasons and sectors
Saint-Leu peak 13.6 °C-weeks
T1 · 3.40 → 25% T2 · 6.80 → 60% T3 · 10.2 → 100% 2009 · T1 2016 · T2 2017 · T1 2018 · T1 2019 · T3 2021 · T2
Saint-Leu, La Réunion. Weekly Degree Heating Weeks, 2009 to 2024. Ladder 3.4 / 6.8 / 10.2 °C-weeks pays 25% / 60% / 100%.

Context

La Réunion's west-coast fringing reefs (SW Indian Ocean, ~21°S) went through the longest bleaching episode ever recorded on the island in 2014-2017, including the 2016 Western Indian Ocean mass event, then bleached again in 2019, when about 41% of corals bleached at Saint-Leu, and in March 2021. This POC drives a parametric bleaching trigger from NOAA Coral Reef Watch Degree Heating Weeks (DHW) over the reef sectors, calibrates it with a reef-resilience coefficient, and backtests the payouts against the documented bleaching record for 2009-2024: six damaging years (2014, 2015, 2016, 2017, 2019, 2021). The real DHW pays in 5 of the 6 (hit rate 0.83). It misses 2015, when peak DHW stayed at 1.91, below any NOAA alert level, inside the documented 2014-2017 episode; that is a real miss and it is kept as one. It also pays in 2009 and 2018, where no bleaching is documented either way (false-positive rate 0.20, 2 of 10 years). The 2015 miss and those two years are the basis risk an audit exists to quantify. Note the 2024 4th global event, concentrated equatorward, largely spared these high-latitude reefs (DHW ~1).

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