scared to be in my own house

So I'm 15 and my family has lived in this house for 10 years. Since I was 2 or 3, whenever I heard a noise at night, I couldn't help but think it's a murderer, thief, kidnapper, or r*pist. It's always worse during thunderstorms because when I hear the house making normal house sounds, I also worry that the thunder is making the noise of an intruder.

Recently it's been getting worse. When a moth hits the window at night because my light is on, I duck out of sight as quickly as possible and try not to move. During thunderstorms I'm frozen in place hiding under my desk for hours.

The thing is I've never had any trauma related to an intruder or being kidnapped or r*ped. I don't know anyone who has gotten murdered. So it's not like it's PTSD or something. And I live in a pretty safe neighborhood. It's not gated or anything but it's right next to a church and a school.

Well last night I was in the basement with the light on when I heard something fall into the window well. Then I heard the window screen tearing. My fight or flight response kicked in and I turned the light off and ran out of the basement as fast as possible. The rest of my family was already asleep. After taking some time to calm down I went to bed. But now I'm scared to go into the basement or really any room other than the bathroom since there are windows everywhere else. I know it was most likely a cat or something attracted by the light but I'm still so scared that it was someone who knows I always go to the basement around 11:45 at night and they were trying to kidnap and traffick me.

I'm not allowed to see a therapist (trust me I've tried and so has every single teacher and doctor). I don't know what to do. I don't know how I'm ever going to be able to live by myself. I don't know how I can function as a human when I'm scared to live in my own house.