Fear in human beings may occur in response to a specific immediate danger. Or fear can aries in anticipation or expectation of a future threat perceived as a risk to body or life. This is because what we think creates our reality. So fear can be rational or appropriate and irrational (Phobia) and inappropriate.
Spiritual fear is not about specific immediate danger, and is typically based on a belief. A classic example of such a fear is the fear of eternal punishment, which is named hell, hades and many other names.