Think about adding a little bit of physically-based fear to your character's life today. It doesn't have to be a creaky staircase, but that's one sound that always invokes fear in me, especially if I'm home alone.
Start with yourself. If you were home alone, what would strike some fear into you? Would a sound be enough? What about a creepy phone call, or a shadow outside your windows?
What makes your character afraid? Is there some sound or sight or smell that would invoke fear in him or her? Bring that on today and see what your character does with it. Do they avoid the fear, face the fear, bury their head under blankets? And how does your character's reaction differ from your own?