HP and damage out of combat

How do you handle HP and damage out of combat? I've read a post where Isaac says that damage from Spell miscast would bypass HP and go straight to Wil. Since it's 'non physical damage' it makes kind of sense, but what about traps for example? HP is simply described as 'the damage your mouse can shrug off before taking serious harm' in the rulebook, not clear if it's relevant out of combat, for traps, falls etc... I plan to run Stumpsville, and it starts with two deadly traps (1d12, then 1d20, seriously?:), so I want to answer this question before we play...