PUERTO MORELOS (Mexico) — When Hurricane Delta hit Puerto Morelos, Mexico, in October, a team known as the Brigade waited anxiously for the sea to quiet. The group, an assortment of tour guides, diving instructors, park rangers, fishermen and researchers, needed to get in the water as soon as possible.

The coral reef that protects their town — an undersea forest of living limestone branches that blunted the storm’s destructive power — had taken a beating.

Now it was their turn to help the reef, and they didn’t have much time.

“We’re like paramedics,” said Ms María del Carmen García Rivas, director of the national park that manages the reef and a leader of the Brigade. When broken corals roll around and get buried in the sand, they soon die. But pieces can be saved if they are fastened back onto the reef.

“The more days that pass, the less chance they have of survival,” she said.

The race to repair the reef is more than an ecological fight; it’s also a radical experiment in finance. The reef could be the first natural structure in the world with its own insurance policy, according to environmental groups and insurance companies.

And Hurricane Delta’s force triggered the first payout — about US$850,000 (S$1.14 million) to be used for the reef’s repairs.

The success or failure of this experiment could determine whether communities around the world start using a new tool that marries nature and finance to protect against the effects of climate change. The response to Delta was a first test.

When the Brigade laid eyes on their reef, which runs 17 miles (27.4km) south of Cancún and is home to critically endangered elkhorn coral, it looked ransacked. Structures the size of bathtubs were flipped upside down. Coral stalks lay like felled trees. Countless smaller fragments of broken coral coated the seafloor.

On the boat, cement mixers prepared a special paste that snorkelers ferried down to divers who spent hours underwater carefully fastening pieces back on the reef. They used inflatable bags to turn over large formations rolled by the storm and collected fragments to seed new colonies.

The Brigade’s members, mostly volunteers, delighted in the bright damselfish that darted into restored crevices even before the paste had hardened. But there was so much to do and so little time.

At the end of a grueling day, Ms Tamara Adame, a diving instructor and guide, wondered if the tiny team could make a dent. “Is it actually going to make a difference that I’m here all day picking up the pieces?” she asked herself.

‘LIKE WATER IN THE DESERT’

Just as a house is insured against fire, or a car against crashes, last year a 103-mile stretch of the coast, including the reef, was insured against hurricanes with a wind speed of 115 mph or greater, which is a Category 3 storm.

It didn’t take long for the policy to pay off: Hurricane Delta slammed into the reef in October. The governor of the state of Quintana Roo announced the payout on Facebook Live: 17 million pesos (S$1.15 million).

Ideally, reefs wouldn’t need such interventions. After all, they’ve been surviving hurricanes for millennia.

But in Quintana Roo, like so many parts of the world, humans have weakened coral, tiny tentacled animals that secrete layers of limestone to build outer skeletons for themselves. Rising sea temperatures, ocean acidification, sewage pollution and overfishing leave coral more vulnerable to hurricane damage.

And hurricanes themselves are becoming more severe because of climate change. This year, the Atlantic has seen the most named storms on record.

Environmentalists and insurance companies behind the effort hope it becomes a model for protecting other far-flung coastlines, whether in Florida or Indonesia, insuring not just coral reefs but also mangroves, salt marshes and other natural barriers to storms. These nature-based defenses protect coastal properties and biodiversity all at once.

“Having this insurance policy is really like water in the desert,” said Mr Efraín Villanueva Arcos, the environment secretary for Quintana Roo, who leads a trust that determines how the money gets spent. Without it, he said, the government would have struggled to fund the repair work.

Some scientists and environmentalists point to philosophical and practical concerns. They protest that the policy reduces the reef to a commodity. It diverts money to private companies that could instead be spent directly to protect the local people and environment. It can’t address longer-term threats from climate change that are killing the reef anyway.

But “if we want to move the needle on how we are impacting nature,” said Mr Fernando Secaira, a specialist on climate risk and resilience at the Nature Conservancy who helped bring about the insurance policy, “we need to move into economic terms”.

EVERY PIECE ‘A POSSIBLE COLONY’

“Brigade, we will try to save as much as we can,” Ms García Rivas wrote on the group’s WhatsApp chain, trying to rally her exhausted team for the next long day.

“Each fragment is a possible colony, keep it up!!!!!!!”

Locals had volunteered boats, food and themselves, but she needed more of everything. And she figured they had only one short month to complete the first phase — repairing, stabilising and collecting broken corals — before those pieces would be too far gone to save.

And while she heard the insurance money was coming, how quickly would it arrive?

To cover immediate costs for fuel and food, Mr Secaira of the Nature Conservancy had approved US$1,000 from a different fund, and Ms García Rivas fronted money from her own pocket. “Luckily I don’t have kids to feed, so I had some savings,” she said.

The Brigade was created in 2018. Its members joined as volunteers, but the idea was that if a hurricane hit, money from a payout would help tide them over while tourists stayed away.

The Covid-19 pandemic, however, complicated everything. Tourism had been dead for months before Hurricane Delta struck, but just as reef restoration began, visitors started trickling back.

That meant some Brigade members, such as Ms Adame, the diving instructor, suddenly had clients again. “I couldn’t refuse the work,” she said. “I really needed the income.”

She could spend only two days with the Brigade. In fact, of the Brigade’s 36 members, less than half were participating on any given day.

The depleted volunteers completed 11 days of restoration work before a new hurdle stopped them: Another hurricane, Zeta, began hurtling toward the Gulf of Mexico. It made landfall as a Category 1 storm — not enough for a payout, even though locals said it lashed the coast harder.

Then, Zeta was followed immediately by even more bad weather, keeping them out of the water for an agonising 13 days. Brigade members feared their work would be lost.

As soon as the port reopened, they sped to the areas of the reef where they had spent the most time on repairs. Parts were so battered that Ms García Rivas had trouble recognising where she was.

“I felt powerless,” she said, “confused by so much disaster.” But closer inspection showed that while the reef’s periphery was a mess, some of their work in the centre had withstood the second hurricane. “When I saw the fragments that we had glued still standing in place, I had a feeling of hope,” she said.

They got to work again.

SETBACKS AND SUCCESS

By early December, even the corals broken by Zeta were barely healthy enough to save. Still, the Brigade pressed ahead. So far its members have braced or cemented almost 12,500 fragments, and turned over or stabilised more than 2,000 larger coral formations.

“Champion Brigade!!!!!” Ms García Rivas cheered on WhatsApp.

But their efforts exposed the scale of the challenge in responding to reefs after hurricanes. They exhausted themselves patching up vital but limited sections. Another team in Cancún performed a much smaller intervention there.

And the insurance money itself faced delays that hindered the work. It took two or three weeks for the government to receive the payout, and then almost another month for the trust, made up of government officials along with a representative from the tourism industry, to decide how to distribute it.

“If the insurance money had been available in a timely manner,” said Ms Claudia Padilla, a researcher at the National Fisheries and Aquaculture Institute in Mexico, which developed the Brigade’s hurricane response protocols and trained its members, “the results of the rescue effort could have been greatly multiplied.”

Still, the money will be put to its intended purpose of restoration, funding longer-term projects like seeding of new colonies and replenishment of reef biodiversity. And Mr Secaira of the Nature Conservancy believes that the rest of the world will use Quintana Roo as proof of concept.

Indeed, as the Brigade was at work in Puerto Morelos, a bill in Guam’s Legislature sought to evaluate insuring a reef there. Training is underway in other locations in Mexico, Belize and Honduras.

But it won’t be easy. The training in Honduras had to be postponed when the country was hit by two hurricanes, Eta and Iota, within just two weeks. They were the Atlantic Ocean’s 28th and 30th named storms of the year. THE NEW YORK TIMES