Lansing, Michigan Henryk Sadura/ShutterstockNatural disasters like hurricanes are getting more destructive, thanks to climate change.Homeowners everywhere are feeling the impact as home insurance premiums skyrocket.Here are the top 13 states where home insurance premiums are expected to increase the most in 2024.In the wake of Hurricanes Milton and Helene, homeowners across the US are facing an increasingly severe insurance crisis.These two hurricanes are simply the latest in a growing list of natural disasters wreaking havoc across the US.