Hi R.,
I would most certainly try to find out if indeed there really is "nothing to be scared of," as you assured her. It is an unusual thing that after going to all of these things for years she is suddenly just now telling you she is scared. It makes me uneasy. These days we can never be too sure, too trusting. I just wonder if anyone is doing anything to hurt her. At this tender age, she would not just tell you, especially if she has been hurt and has been threatened not to tell you. The best way she would know how to communicate would be to say she "is scared."
I am not trying to scare you, but I do think you should make absolute sure that this is NOT the case. It is just a red flag to me what she is saying. Rule this out first, then once you are sure that is not happening, you can proceed with the good advice of those first two ladies who told you to speak that scripture over her, and nip this fear in the bud.
And pray! If you don't know the Lord what I would say is that He is faithful, in all situations, small or big.