This was SO me when I was younger. I had several fears when I was young. Predominant among them was fear of the dark, of heights, and of being alone. When I was alone, I heard everything.
We had radiator heat in our home. It was hot water radiator and not steam but it still made noises at times. Our house also creaked a lot and every creak brought about new “what ifs” in my mind.
Thankfully I’ve outgrown those fears. The only time noises in the night bother me when I am alone now is after I watch a scary movie. It doesn’t stop me from watching them, however. 🙂