In one of his books, Jared Diamond recounted how, on a research trip to New Guinea's rain-forests, he found that his native guides would not, under any circumstances, make camp under a tree. They were afraid of being crushed by falling trees in the night.

Diamond reasoned that the odds of a tree falling on you in any given night are virtually nil. The odds of a tree falling on Diamond during the few weeks he was in the field were also pretty small. However, the odds of a tree falling on somebody who camped under trees every night all their life was rather significant.

Death by coconut is similar. If you walk near coconut trees occasionally, you have nothing to worry about. You might not want to hang a hammock under a coconut tree in your backyard though.