Extreme warming events can profoundly alter the transmission dynamics of mosquito–borne diseases by affecting the physiology of mosquito vectors. At local scales, temperatures are determined largely by vegetation structure and can be dramatically altered by drivers of land-use change (e.g. forest conversion). Disturbance activities can also hinder the buffering capacity of natural habitats, making them more susceptible to seasonal climate variation and extreme weather events (e.g. droughts). Using experiments spanning three years, we demonstrate that variation in microclimates due to forest conversion dramatically increases development rates in Aedes albopictus mosquitoes. However, this effect was mediated by an El Niño Southern Oscillation (ENSO) drought event. In normal years, mean temperatures did not differ between land-use types, however mosquitoes reared in oil palm plantations typically emerged 2-3 days faster than in logged forests. During an ENSO drought, mean temperatures did differ between land-use types, but surprisingly this did not result in different mosquito development rates. Driving this idiosyncratic response may be the differences in daily temperature fluctuations between the land-use types that either push mosquito larvae towards optimal development, or over the thermal optimum, thereby reducing fitness. This work highlights the importance of considering the synergistic effects of land-use and seasonal climate variations for predicting a key disease transmission-relevant mosquito trait.