Even some of the school faculty could be responsible in a sense. For instance, a strict teacher who doesn't understand Danny's situation might push him too hard during detention or some other punishment, which could lead to an accidental injury. Or a science teacher's experiment could go wrong and Danny could get caught in the crossfire.
A Danny Phantom hurt fanfiction could involve Danny getting hurt while exploring a new, dangerous part of the Ghost Zone. He might encounter some sort of toxic energy or a trap set by an evil ghost. His pain and struggle to get back to safety could be the main focus, and how he overcomes his injuries could show his strength and determination.
One possible scenario could be Danny getting bullied at school. Maybe some of the other students find out about his ghost powers and they target him out of fear or jealousy. Another could be that he gets injured during a ghost attack that takes place on school grounds while he's trying to protect his classmates.
In a Danny Phantom fanfiction where Sam gets hurt, Danny might go into a rage. He'd use his ghost powers to find out who was responsible and protect her at all costs. Maybe he'd have to face a new, more powerful ghost that targeted Sam because of her connection to Danny.
He could get hurt in a surfing accident. Hawaii has great waves, and Danny, being the adventurous type, decides to try his hand at surfing. But a big wave knocks him off his board and he hits some rocks, resulting in some serious injuries. His friends then have to take care of him and he has to deal with being bed - ridden for a while.
Maybe it's one of his old enemies who has found a new way to attack him. For instance, Vlad could come up with a more devious plan that manages to catch Danny off - guard and injure him. Vlad has always been a formidable foe, and he might use Danny's overconfidence or a moment of weakness against him.
A mysterious new enemy that has infiltrated the village could be the cause. This enemy might be on a mission to disrupt the balance in the ninja world and sees Sarada as an obstacle. They could attack her when she is alone or on a solo mission. Their motives could be related to some ancient grudge against her family or the village as a whole.
There are also the possibility of some inter - dimensional beings. In the Ben 10 universe, there are many different dimensions. If a being from another dimension comes through with the intention of causing chaos, they could target Ben. They might have powers that are completely foreign to Ben and his allies, making it difficult for him to defend against them. And let's not forget about the possibility of some of Ben's old enemies teaming up. If they work together, they could come up with a plan to really hurt Ben, whether it's physically or by ruining his reputation among the people he protects.
There could be a new character in the fanfiction, like a bully who targets Lincoln just because he seems like an easy target and ends up hurting him.
It could be a new villain that has emerged. This villain might have some sort of vendetta against Steven specifically, perhaps because of his unique powers or his role in the gem world.
Perhaps it's a mysterious figure in the fanfiction world. This unknown character could have some ulterior motives against Jacob and find ways to hurt him, like setting traps for him.