People read 'rainy season' and picture a washed-out week. That is not how it works here. From roughly June through October the pattern is a hot, bright morning, clouds stacking up after lunch, then a hard downpour that empties the sky in half an hour and leaves everything steaming. You lose an afternoon hour, not a day. Boats mostly still run, beach clubs stay open, and the rain is warm. The exception is September and October, when the systems get bigger and slower. September is the cloudiest month and averages the most rainy days of the year at about 15.9, and October dumps the most total water at around 5.6 inches. That is when you can genuinely lose a day, or when a storm sitting somewhere else in the Caribbean pauses the ferries and the dive boats for a stretch without ever hitting the island itself. If you are diving or snorkeling, rain matters far less than you would think. The water is warm regardless, and surface rain does not touch visibility down on the reef. Wind is the thing that cancels a boat day, not rain.