I would instead use the analogy of weather in the context of urban planning around floodplains, building standards, etc. These are typically based on 50 or 100 year storm events. If you look at a 15 year average, these standards look like overkill.
EDIT: Lo and behold, another downvote. What in the way I've structured my argument or my logic is flawed? Or is it just more satisfying to downvote those you disagree with? Anyway, downvote away, you're only lowering yourself. I don't care.