Old topic, but for insulated vessels, you should probably consider a case with 0 C temperature boundary condition, the worst possible case during rainfall near freezing conditions. For uninsulated vessels the calculated rate of heat loss would end up being enormous. The actual rate is probably also enormous as well, but the assumption starts to break down at this point: the rate of rainfall would start mattering, temperature gradients would form across the tank walls, uneven wetting and drainage could have effects, etc etc.
Basically you should insulate your tanks if you are worried about rapid cooling due to rain.