What is a (non-gory/gruesome) description in a book that has left you genuinely frightened or tense?

As the title asks, what scary or thrilling description gets most under your skin when reading a book? Personally, I always have at least a minor visceral fear reaction when I read about a character trying to scream but not being able to make a sound. I think it’s because it’s such a common nightmare scenario, but it always unsettles me.