The unknown element is also key. In Horror Hub Stories, things are often left unexplained. A strange noise in the attic is just that - a noise with no obvious source. This lack of an explanation makes our minds race with possibilities, and most of those possibilities are terrifying. It plays on our natural fear of the unknown.
Character reactions also contribute. When the protagonist in a Horror Hub Story starts to panic, sweating and trembling at a strange sight or sound, it makes the audience feel the same way. We put ourselves in their shoes, and as they experience fear, so do we. The story builds tension as the character tries to figure out what's going on, and this tension is what creates the sense of fear in us.
They use vivid descriptions. For example, when describing a spooky setting like an abandoned asylum, they might talk about the peeling paint, the rusted bars on the windows, and the cold, damp air that seems to seep into your bones. This makes the reader or listener visualize the place and feel the unease.