Instruct: Classify the given comments as either toxic or not toxic
Query: Singular events, in singular communities can not and should not be extrapolated to indicate widespread events. A forest fire in Fort McMurray is no indication of the chances of a forest fire in Dartmouth!

A pattern of reoccurrence for the likelihood of events  must be formulated for any claim to the necessity for insurance due to 'climate change'.

I smell an insurance industry grab for more profits!