I have no idea what point you’re making here. America could be some kind of super-fantastic utopia and there’d still be wildfires in California, because that’s just the sort of climate and terrain that much of California has. Conversely, there could be some utter craphole of a country that happens to be located in a place with a nice stable climate and no natural disasters to speak of.

This insurance trouble is not related to the “first worldness” of the country. It’s just about people building in places that are turning out to not be economically sustainable to keep building in due to changing conditions.