Some of my moments (Score 1)

Resident Evil - Was playing this with a friend late at night. First time I entered the mansion I said "screw this, don't want to deal with the zombies" and tried to walk out the front door. That's when the dogs came through the door-opening animation. Definitely was not expecting it.

Thief 1 - One of the last levels inside some house where the interior was all space-disoriented and whatnot. The creatures in that level freaked me out. It's been a while so sorry for the lack of details.

Unreal - All the lights go down and all you (barely) see is this huge creature running towards you. First Skaarj encounter.

Doom 3 - Being able to hear a zombie approach you from behind, coming from only 2 speakers!

Fear - Various parts. When you go down a ladder and see the little girl right in front of you.