A.L.
Hi Christy, I am A., married mother of 5. First a question, is she in preschool, daycare or something where she is around other children?? It is possible that another child told her something that scared her, it could be a story she heard that scared her.
As for the bedtime routine instead of coming up with "make believe"(no offense intended) things for her, say prayers and tell her the God will watch out for her, that even though she can't see Him he is always there and will protect her from whatever is scaring her.
But I still say talk to her and find what has scared her, something got her scared, it might be she saw a scary movie at a friends house, any number of things.
Good Luck