What are you afraid of? Is it something silly you can’t quite explain? Is it something entirely rational? Can you pinpoint an experience that started it? Have you ever been in a situation where what you were afraid of actually happened?
Use this as a character development tool. Write about your character’s greatest fear. What does this tell you about who they are? Try it with your protagonists, your supporting characters, and even your villains. You never know what you might uncover about them.
Is there healthy fear? Unhealthy fear? What is the difference?
Write a scene in which someone faces his or her fear. How do they react?
Search for a list of phobias. Pick one and write about someone who suffers from such a fear.