A forum dedicated to a neighbourhood trying to be neighbourly does not need the fake panic of racism and xenophobia strewn through it. It’s fine to prohibit that behaviour.
The 'Fire' example is overused. The speech alone can directly cause physical harm. Racist, xenophobic and other distasteful speech does not. Free speech, in the USA means you have a right to distasteful speech, actively harming someone with speech is just as bad as harming them with a stick, therefore it can be prohibited.
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I can't control how people respond to what I say. I can attempt to predict and account for what I think responses will be, but I can be wildly wrong.
The whole way through it has felt to me like a lazy shortcut around the fact that proving intent is extremely hard. Ignoring intent completely is much easier, and that's exactly what a person is doing when they judge someone based on how others respond as a replacement for understanding what that person originally meant.