I have a fear that only rears its ugly head in the rain:
I'm afraid someone's umbrella is going to catch me in the corner of my eye! As I walk down the sidewalk on a rainy day I bob and weave up and down and around everyone's umbrellas like it's a game.
The people with the giant umbrellas scare me the most because I question their ability to control those big rigs. Especially in the wind.
Safety goggles. I'm going to have to start wearing safety goggles in the rain. Great.