i don't have any fears that interfere with my daily life, according to the classic definition of phobia. i don't have any particularly strong fears, either.
i believe you just have to deal rationally with threats & prevention.
i am mortally afraid of bridges over water. the earliest memory i have is of a bridge over water collapsing and falling into the Gulf of Mexico, taking a bus full of tourists down with it. happened when i was about 2. crossing bridges over water is a necessary evil, but i cringe and get all panicky whenever i have to.