The most terrifing creature in the world ---- the green tree frog! I grew up in FL, in the woods, thousands of them. They would sit above doors while others came and went and wait for me to try to pass, and jump to attack, get stuck in my hair, on my skin. Thier little sucktion cup feet, skinny legs and slimey skin, can't stand them. Moved up here nearly 20 years ago, thought I was rid of them, no, they are here, not as many. But something must be from the devil that is that small and can somehow survive 20 below temps (a cold blooded animal). I am sure there is no record of them in the state until I moved here, punishment for a past life I am sure.
Just a note, snakes, normal (not from hell) frogs, toads , alligators, sharks, don't bother me at all. The one other animal I fear is a skink, but it is a distant second, and we don't have them up here.