One of my scariest bike incidents was an urban wildlife encounter. I had some big work project that kept me late and I was biking home on a midsummer night at midnight. The overhead street lights were blocked on one residential block by dense Norway Maple foliage, and it was quite dark, and at the very last minute I saw a faint blur of white on the black road and swerved to avoid a skunk. Somehow he wasn't alarmed enough to spray, or if he did, I had passed by quickly enough to avoid the cloud.
Dodged a bullet!