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It's in the context of brother. Anyone who isn't a believer would be considered a neighbor, but not a brother or sister. Also, something else interesting to note? Check this out:
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James 2:20

But are you willing to recognize, you foolish fellow, that faith without works is useless?
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1 Corinthians 15:35-37

But someone will say, “How are the dead raised? And with what kind of body do they come?”

You fool! That which you sow does not come to life unless it dies;

and that which you sow, you do not sow the body which is to be, but a bare grain, perhaps of wheat or of something else.
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Luke 11:39-41

But the Lord said to him, “Now you Pharisees clean the outside of the cup and of the platter; but inside of you, you are full of robbery and wickedness.

“You foolish ones, did not He who made the outside make the inside also?

“But give that which is within as charity, and then all things are clean for you.
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Another interesting thing to consider is the Greek for all of these. Most are actually different.
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Matthew 5:22 uses the word "mōre" and the word "móros" can mean these things:

foolish

Probably from the base of musterion; dull or stupid (as if shut up), i.e. Heedless, (morally) blockhead, (apparently) absurd -- fool(-ish, X -ishness).
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James 2:20 uses the word "kene" which I guess is some version of "kenos". Here are some things they say this means:

(a) empty, (b) met: empty (in moral content), vain, ineffective, foolish, worthless, (c) false, unreal, pretentious, hollow.
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1 Corinthians 15:36 uses the word "aphrōn" which can mean this, among other things:

senseless, foolish, inconsiderate.
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Luke 11:40 uses "aphrones" which I guess is related to "aphrón".
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Keep in mind, I can't read Greek, I'm only using that concordance on www.bible.cc

Also, I am only giving you some meanings: a few of these can mean other things, too. Everything seems to have to do with empty, vain, foolish, stupid, dull, etc.

Regardless of any of this? The way she spoke? It seemed cruel. If I recall the incident you mean. She just seemed insulting. I have called people foolish or maybe even fools, I believe, though it may be that I was only quoting Scripture. One instance I recall, I didn't say they were a fool, I said their foolish heart was darkened. I was quoting Romans 1:21.

If there is another instance? I mean, where I'm not referring to these things? I don't recall it. I don't mean it in a way that is insulting or to be mean so much as to confirm what the Scriptures say.
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Psalm 14:1

For the choir director. A Psalm of David. The fool has said in his heart, "There is no God." They are corrupt, they have committed abominable deeds; There is no one who does good.