If adults are using the term, it is not so much an insult as it is a way to tease them, as Dream Eater's answer suggests. As an idiom, both words are required to express the meaning. He is a scaredy cat is the correct usage of the phrase. If someone is shy, they may be hesitant to do an activity that causes fear. So yes, it could be used by someone to poke fun at the shy person.
Plainfield is a town in Guilford, Liberty and Washington townships, Hendricks County, Indiana, United States. The population was 27,631 at the 2010 census. Plainfield is located at 39Â°41â²51â³N 86Â°23â²5â³W / 39.6975Â°N 86.38472Â°W / 39.6975; -86.38472 (39.697471, -86.384672).
A weak EF1 tornado that did considerable damage in Hendricks and Marion counties cut an approximate two mile path in Plainfield and the southwest side of Indianapolis. The National Weather Service says the first significant damage from the storm was at ADESA, a vehicle auction facility near US 40 and Ronald Reagan Parkway, around 2:30 p.m.