I hate deep water and heights. So I'm pretty much bound within the continent I live on, and yes I do get goosebumps in games when I'm thrust within situations with these fears taken to the extremities. It was interesting playing both Bioshock and Bisohock Infinite, given they create worlds around my two fears.
Deep water freaks me out as well. That fucking darkness ... especially because the one thing that really freaks me out to just think about is:
I also fucking hated the shark in Penguin's place in fucking Arkham City. NO THANKS!
Spiders - I'm aware that there are people that can appreciate these creatures, but I'm not one of them. If I see one, you best believe it's war.
Flies/other flying buggers - Unlike spiders, flies and other similar insects give me chills when they invade my personal space. I don't care if they're doing their own thing away from me, but do not fly by my ear.
That's it, I guess. I'm sure I could throw in any creature that's faster than me and wants to murder me into the pile as well, but then the list just becomes ridiculous.
household utilities and transportation (my car) failing to work. Flooding. Fire. Robbery.
being forced to live with other people due to sustaining some critical injury or financial hardship. Being trapped in a room with many other people. The broken elevator scenario is nightmare situation for me.