The United States suffers the world’s second-highest toll from major weather disasters, according to a new analysis — even when numbers are adjusted for the country’s wealth. The report released late last month by Zurich-based reinsurance giant Swiss Re, which analyzed the vulnerability and damages of 36 different countries, suggests that weather disasters may become a heavy drag on the U.S. economy — especially as insurers increasingly pull out of hazardous areas. Those disasters are driving up insurance rates, compounding inflation and adding to Americans’ high cost of living. … Some insurers have stopped offering home insurance policies in California, which has seen numerous large wildfires in the past few years.