Mad Typist stole my thunder: I agree, that scene in "The Ring," when she crawls out of the TV, had me (and everyone else in the theater) screaming in terror. You saw it coming a mile away, but that almost made it worse (and made the stakes for the director higher) because you couldn't imagine it actually happening, or working. But it was crazy-making good.

(Don't let him in! From "Salem's Lot" 1979)
The first scene I remember really terrifying me was from the TV version of "Salem's Lot" (1979), when the child vampire levitates in the fog outside his brother's bedroom, beckoning him to let him in. Crushed, dazed with mourning, he lets him in -- and he ravenously sinks his teeth into his neck. I had nightmares for weeks, and I still prefer to sleep with something covering my neck. The murderous, monstrous child is always scary, because it's such a flip on our expectations and experience. But there was something, at least to a 10-year-old, so devastating about a brother being victimized by the very sibling he mourned and desperately longed to see again, that it tapped into an existential terror that nothing we believe in actually has any meaning. I saw that movie again a few years ago, replaying on Lifetime, and it still unsettled me.
Also: the great reveal in "Diabolique," which I saw in elementary school on PBS, almost gave me a heart attack. The terror!

Salon.com
Comments
Have you ever seen The Other (1972, dir. Robert Mulligan)? It's one of the scariest "child horror" movies I've ever seen and THE scariest movie about brothers I've ever seen.
It's based on a novel by Thomas Tryon, the actor who starred in Otto Preminger's The Cardinal, and who made a career as a best-selling novelist when he gave up acting (one story is that Preminger scared him out of movies after The Cardinal).
If anybody wants to be terrified, read the novel, then watch the movie.
I agree about both Pet Sematary and Salem's Lot being better as books than movies. But my age had a lot to do with how scary "Salem's Lot" was. Came slashing in at a vulnerable time.
Ah yes, I do believe you may be on to something here, Monsieur L. We desperately layer on all the security blankets we can find, only to discover Death's cold body snuggling up against us.