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i had a total WTF moment when i heard meowing in the apartment. i opened the fridge and there was this lump of skinned flesh moving around. it was creepy

The scariest moments for me were in SH3 with the nightmare hospital and mirror room. Both the sounds and overall environment were creepy >.<

1: There's a room which has the last key before you can leave the apartments in sh2. In order to get to the key you have to pass through an adjoining room and go out on the balcony. It's not always audible (it depends on your sound set-up - headphones do the trick) but if you listen carefully there is some incredibly creepy whispering when you first enter the room. It only happens the once - even if you go back, so it's very easy to miss. It's not clear what is being said or even if it is in English, but it really makes the skin crawl - especially if it is unexpected.
2: when you go to the hospital basement in sh2 to get the copper ring (where you meet up with Maria again) - there is a fenced off area before you go through the door at the bottom of the stairs - and if you listen for a while there is this dreadful sound like a cat being strangled.
3: Having to leave all your equipment behind when you take the elevator in the hotel in sh2.
4: The body dropping from the ceiling in the hospital at the start of sh5.
5: At the start of sh4 when the ghost comes out of the wall (after you notice the face in the wall).
6: Cynthia's entrance as a ghost in sh4 was very creepy - though it seemed to be very much inspired by "The Ring" movies.
7: When Pyramid-Head approaches the cupboard James is hiding in, in the apartment building in sh2.
8: The disembodied crying girl with the bloody footprints in sh3.
9: The room in sh3 with the big bleeding mirror. Where you watch her reflection change to dark Heather/Cheryl - not being able to get out at first.
10: Being locked in the prison cell in sh2 - until you try the door several times.
11: The bottom of the well in sh2 - being stuck there until you examine the walls thoroughly.
12: The big room in the prison (with the scaffold in the middle) in sh2 - nothing much actually happens, but the sense of dread is powerful.
13: The unseen monster upstairs from the prison cells in sh2. (It is actually possible to shoot this monster if you want - wait until James looks up - then shoot away until the noises stop.)
14: The cat in the locker at the school in sh1.
15: The sound of breaking glass etc. when you are in the hospital rooms in sh3.
16: The first time you get grappled by a spitter on the streets in sh0. I wasn't expecting that. I was like "get it off! get it off!"

It's hard to reduce it to just a couple of incidents, once you think back on them all.

I won't lie, I had a freaky moment when I played Homecoming and I was in the dr.s office. omg.... I had to walk by the army of nurses in the waiting room burning_eyes Holy crap that was freaky!

Hahaha yes I remember that scene. It was truly amazing! The moment I saw a massive blade ram through that guy I knew what I was dealing with!

Just got origins and The room and I've already gotten the crap scared out of. Those straightjackets keep grappling me and trying to hump my face. I HATE THEM!!! I kill one and another one comes up and shoots acid at me and then it starts humping my face. stressed The reason its scary is because they charge at you like angry bulls and I try to run but Travis gets tired way to quickly unless I drink all my energy drinks and they still get to hump my face. Thank god I have like 6 meat hooks on me those take care of them quickly. On the bright side I have the magical power to touch mirrors to change the world from fogworld to the otherworld. Oh and the sanitarium scares the crap out of me. Especially near the patients belonings area and you hear this noise like a bunch of people talking but there is no one there. eek But who could forget the remnants and the charging hunks of meat ( carrions) Silent Hill 4 the room so far has scared me with annoying Sniffer dogs. Ghost that dig around in my chest trying to rip my heart out, being smacked around by those wallman on the esculator ( it's actually kind of funny... until you die.) and finding cynthias wonderful mangled bloody body after walter slaughters her in the subway control room. ( I love how they through room of angel in that scene... made it epic and sad)......... But the scariest thing of all is.... the apartment mananger ( DUH DUH DUH) .... Mr. Sunderland????? eek

Yeah. The ghost scare me to. Mainly that moaning sound they make and how they don't even stay down for 5 seconds before getting back up. Still the scariest thing for me is the sniffer dogs. And the part with walter you were talking about is probably going to give me nightmares if it's anything like in Silent Hill 2 when pyramid head is in the apartment behind that one cage in the hallway.