怖
フ, ホ, こわ.い, こわ.がる, お.じる, おそ.れる
dreadful, be frightened, fearful
JLPT3 G7 S8 F1325
As per
布
# (spread) +
心
heart/emotions → fear spreading over the heart → *frightened*; *afraid*. Compare
恐
.
[Full Kanji Etymology List]