“ PCs camp for the night in a dry pine forest. Fire skill of the person that made it is usually pretty good, but during the first watch the unexpected happens: a spark lights the surrounding woods and a brush fire quickly starts. Be quick or it could turn into a disaster that could affect the entire region.”
“ Moonlight shines down on the tranquil scene of a slumbering inn along one of the many roads that cross the land. Trees sway gently in the night air, and the stars twinkle brightly. All is quiet as the PCs snore away, a fine tendril of smoke curlsrnunder their door. The tavern is on fire! This is particularly bad news if the PCs own any horses - the screaming they hear is probably from their mounts! Panicky people are rushing about with buckets of water, trying to tame the flames. The fire fighting effort is not very coordinated as everybody is either hungover or still drunk, including the PCs. Hurry!”
“ When was the last time a character caught a cold or flu? Real people get them every now and again even with solid heating and dry interiors. Your characters are out in the cold and wet, and even inside is not always dry and warm. Imagine having to stop your dungeon crawl, sitting in a tight defensive position, while you all are feverish.”