As Queenslanders face above-average cyclonic conditions this summer, local media reports are suggesting premiums may have to rise to meet the potential damage claims.

While insurers aren’t saying if this will happen, the Bureau of Meteorology is predicting up to six cyclones in the Coral Sea this summer as the La Nina climate phase sets in.

The bureau’s Queensland Regional Director Jim Davidson says a La Nina phase historically means an average of four cyclones but the number this year is expected to be higher.

The state’s biggest insurer, Suncorp, says new research shows certain areas statistically face more damage than others.

A review of the insurer’s southeast Queensland customers shows the areas worst hit in the past seven years.

The report shows homes in Upper Brookfield, 15km west of the Brisbane CBD, have had an average of $22,876 in claim payouts in that time, with the suburb of Dorrington second with an average of $22,659 in claims.

The research shows 15% of Queensland homes experienced some type of storm damage in the past five years.

Suncorp Executive GM of Personal Insurance Claims Jason McCracken told insuranceNEWS.com.au hail is the most destructive weather event in the Brisbane area, causing almost 23% of all damage to homes.

Rain causes 21% of the damage, while other causes are flood (19%), falling trees and branches  (15%) and lightening strikes (8%).