For the Disasters Challenge; Fire.
Disclaimer: The characters in this story do not belong to me, but are being used for amusement only, and all rights remain with the estate of JRR Tolkien.
This is the first of a series of tales that were all told to little hobbits during the latter half of the sixteen century by Shire reckoning. (This would be the mid to late second century of the Fourth Age by the reckoning of the men of Gondor.)
Once upon a time there lived a hobbit who was tempted to leave his nice, cosy, hobbit hole by a wily wizard and some dreadful dwarves. They made him walk further and further from the safety of the Shire, up hill and down dale, until they came to a dragon’s den.
The dreadful dwarves pushed the hobbit, and poked the hobbit, until he went in… when he saw the dragon, the dragon saw him… It breathed out fearsome fire and burnt the hobbit up!
Which just goes to show that hobbits that leave their homes always come to no good end!