One of the things I had to get used when living alone, with a cat, in the depths of the French countryside, was the stream of dead or, half dead or very lively, wildlife. She wasn't picky - shrews, voles, mice, worms, frogs, birds ....all grist to her mill. Fortunately, I am not phobic about little animals - I might have jibbed at dealing with a rat. I spent many an hour chasing them round the house with a broom.
I was a bit spooked one night to hear something scrabbling behind my headboard. There was nothing in the room and I realised that whatever it was making the noise was in the space between the plaster board and the breeze brick wall. I mentioned it to a neighbour and he said 'Oh yes, a dormouse, they live in lofts'. I googled dormouse on both French and UK google and was amused when the French site gave me lots of ideas of how to get rid of them, and the UK gave me tips on how to make them a nice habitat and conserve them. They are solitary mammals so I wasn't going to be over-run but they do chew through cables and can start fires, so I bought some apple-flavoured pellets and poisoned it.
The only thing that really makes me panic is a cockroach - I loathe the things and there are lots in the tropical countries where I go for the coral.