I can't relate as well, as I live in a city where things are really really aafe. But there are places where a women are afraid to walk alone in the dark, even for a few steps. (And even in safe places some people are quite afraid)
I'd be very careful with remote diagnosis. You. might be right, she needs therapy. She might just be afraid, because something bad happened to her some time.
The only way is for OP to have a good talk with her what's bothering her - and then he may come to a conclusion. As of now, there's just not enough information.
Als Münchner macht mir das gerade Angst, weil es sein kann, dass es nicht an einem Linksruck liegen wird.