full disclosure

I have a chronic fear. I'm inclined to qualify it as a phobia, but it doesn't exist on the official list of phobias. I constantly have the fear as I'm driving home, when I take the last turn on the road that will let my house become visible, that I will find it either engulfed in flames, or it is not there at all, and replaced by a mound of blackened embers. Do I need therapy for this too?