Finding the specific fear
The best horror fiction does not rely on generic fears but finds the specific fear that belongs to this particular story and these particular characters: not simply darkness and violence but the specific wrongness that resonates with who these people are and what they are most afraid of losing. Writing the specific fear requires understanding your protagonist before you design the horror: the fear that is most effective is the one that touches the wound your protagonist was already carrying into the story. The overprotective parent's specific horror is not the same as the grief-stricken widower's; the person who fears abandonment faces a different horror than the person who fears losing control. When the horror is calibrated to the protagonist's specific vulnerability, it feels inevitable rather than arbitrary.