Recently, some games that shouldn't have freaked me out, but did, were parts of Outer Wilds and Subnautica. Subnautica, in particular, got me with a very good jump scare that I think made me jump harder than any horror game has in the past decade lol.
I find games that induce dread really help with being scared. If you have any niche titles I would love to hear them too. I must have missed a lot probably anything prior to 2005. But even recent titles there's a chance I could have missed them too!