As Australia is still dealing with flooding, more damage will be caused by Cyclone Yasi, which is expected to hit in the next few days. It has strengthened to a category 3 storm and is expected to reach a 4. This cyclone, if it hits, will be the biggest that Queensland has ever seen. It will bring heavy rainfall and cause more flooding (rvd: after Cyclone Tasha, December 2010), damage, and high winds. With this cyclone comes high home insurance, which had already risen 8% right before the flooding. 2011 will bring higher costs because La Nina is in effect which could bring 22 cyclones instead of the average 12. These extra cyclones are caused by warmer ocean waters. Higher costs is great for insurance companies but can cause more pain when people have to clean up and pay more to get their lives back together.