I admit that noises keep me up wondering what is out there. At night a beetle sounds like a mouse, a mouse sounds like a squirrel, a squirrel sounds like a raccoon and a raccoon sounds like a bear or a person.
It's not really a fear, more of a concern. I find I sleep a lot better near a stream where the sound of water drowns out all of the little sounds.
Now where I have a real fear is thunderstorms. Not a good thing for an avid camper and backpacker. If there is a hint of thunderstorms in the area I chose the campsite based on lightning safety. I'll pass up that gorgeous site on an expose point of a lake or at the great view on the ridge. One of the nicest designated campsites in the Adirondack wilderness is along the Oswegatchie River called High Rocks. I won't camp there despite the gorgeous site and view. The idea of camping at the highest point for a half mile in any direction is not appealing to me if there is the remotest chance of a thunderstorm. Stop there for lunch, sure, but no camping.
Island sites while paddle camping? If the forecast says chance of thunderstorms, no way.
When I turn in for the night my ears pick up any distant rumble and my eyes will open wide and my heart will start racing. Is that an approaching jet? Is it the sound of distant fireworks? Is it a thunderstorm? If it is a thunderstorm, is it passing by or headed this way? Why did I buy a tent with aluminum poles? Am I far enough from metal cook kits and stove?
If a thunderstorm does hit, I have to put on my rain gear and leave the tent. I can't sit inside it during a thunderstorm, even if it's 3 a.m. I feel a lot better if I'm out there where I feel like I'm more in control, even though deep down I know if it's my time to get hit, it's gonna happen whether I'm walking outside or sitting in the tent. You'd think that after 30 some years of backpacking and camping I'd be over it, but I ain't.