怖 means “scary, afraid”

こわ · kowa

Also: dreadful, be frightened, fearful

Kun'yomi (Japanese reading)
こわい, こわがる, おじる, おそれる
On'yomi (Chinese reading)
フ, ホ

Taught in secondary school · 8 strokes

The story

The heart wraps itself in cloth for protection: fear is the instinct that makes us shield what matters most.

Used in 怖い (kowai, scary) and 恐怖 (kyoufu, terror)

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Readings from KANJIDIC2, © EDRDG, CC BY-SA.