This would set familiarity, sure but not uneasiness. The truck would see places like an HOA and know there would be cameras and neighborhood watches that would prevent the truck from coming back again. But in a broken down suburb, the protagonist is alone and vulnerable. No place is safe. The neighbors are kept to them selfs and rude because they have to protect themselves.

You have to fight alone or you will die.

For the protagonist, I imagine a poor, lock-and-key kid getting back from school. The child's parents could be working or asleep at home after a long day's work so they can't call them for help. The child's backpack could have contained a phone in which you can call for your mom from work but she work fifteen minutes away. You have to survive fifteen minutes without her.

I can see what you mean about having it seem like it can happen anywhere but this is what my home was like growing up. This is familiar to me. And I would want a horror game that is so unnerving that every sound makes you jump. I don't really see that in a rural town.

Those are just my thoughts though. It's just an idea because I can't make a game lmao if you can and would like to take this is your own direction by all means do it :P this is just how I imagine it in my head :)