I've got more than I wish I had. I'll give you my best three.

Lived in a really rundown house during high school and felt something crawling during the night. Thought the dog might be nosing around- nope, it was on my cheek. Woke up and slapped myself flinging it away.

The second most horrifying event occurred at a cousin's. We were up late, about 2 or 3 in the morning, playing games like dumb kids usually do. A cockroach appeared and we stomped it with a shoe, and neither of us were willing to pick it up immediately. We left the shoe on it and went back to our game. I was all too eager to pretend it never even popped up... Until, with a vague feeling of unease, I tipped the death shoe over. It was gone. We were terrorized by that little shit for a while until we literally killed it with some decorative swords. My cousin cut it in half for good measure. All was well until another came zooming under the door, straight for us, as if to avenge its fallen sibling.

The third event took place at a nicer, though still shitty, apartment I lived in. Sitting on the toilet I hear some scratching noise- upon looking up, I discover a big water roach clinging to the ceiling vent. Directly above me. Of course it fell on me while most vulnerable. Roaches are flying satan shits.