The transformation elements can be really scary. For example, when a furry character starts to change against their will, like their body parts mutating into something grotesque. It's a violation of their self - identity.
Well, there was this story where a group of furry characters in a DND game were traveling across a desolate plain. They came across an abandoned village. As they entered, they noticed all the furry inhabitants were turned to stone. But then, they started to feel a strange force. One of them was slowly turning to stone too. They soon realized it was a curse left by an angry sorcerer who had been wronged by the village long ago.
One terrifying encounter could be when the party stumbles upon a haunted mansion. Inside, they face ghosts that can possess their bodies. The players have to constantly make will saves to avoid being controlled, and the feeling of losing control of their characters is truly horrifying.
One common DND horror story is about a party entering a haunted mansion. They thought it was just a simple exploration but soon realized the rooms shifted on their own. Traps kept springing up and undead creatures emerged from the walls. It was a terrifying experience as they struggled to find an exit while being constantly attacked.
There was this DM who seemed to have a personal vendetta against one of the players. He would constantly put that player's character in impossible and unfair situations. The rest of us felt really uncomfortable. Like, he made the character face an enemy way above their level just because he didn't like the player. It completely ruined the collaborative spirit of the DND game.
In a DND party I was in, we had a cleric who was not very experienced. We were in a dark forest and he tried to use a powerful healing spell to revive a fallen comrade. But he misread the spell and instead of healing, it summoned an evil spirit. The spirit started to drain the life force of all of us. We were so scared and confused. We tried to fight it, but our attacks seemed to have little effect. Eventually, we had to flee, leaving behind some of our precious items in the process.
There's a r dnd horror story where the players entered an abandoned temple. The moment they stepped in, a feeling of dread washed over them. The carvings on the walls seemed to move in the corner of their eyes. Strange noises echoed throughout the halls. They encountered a series of puzzles that, if solved incorrectly, released more horrors. Eventually, they woke up a mummy lord that had been slumbering for centuries, and it was a fight for their lives as the mummy lord had powerful necromantic abilities.
One horror story was when a player completely ignored the party's plan. We were sneaking into a castle, and he just charged in yelling. It alerted all the guards, and we were almost wiped out. He thought it was funny but it ruined the whole mission for the rest of us.
The DM can use ambient sounds. For example, playing creepy music or the sound of howling wind in the background. It immediately sets a spooky mood. Also, describing the environment in detail. Saying things like 'The walls are slick with an unknown slime, and a cold draft seems to carry whispers of the dead' can make the players feel uneasy.
One horror story could be about overcrowding. At a furry convention, the venue was way too small for the number of attendees. People were constantly bumping into each other, and it was difficult to move around. Some fursuiters even had their tails or ears accidentally stepped on, which was really painful and ruined their experience.