Hi G.,
I am a speech-language pathologist, and have worked with many children, teens, and adults whom stutter.
Although many children go through a period of disfluency, as their vocabularies grow, there are those children who truly do stutter. Unlike the Hollywood images of people who stutter, there is no common characteristics. In fact, if you have ever been in a room of people who stutter (support groups, conventions, etc.) you will find some great characters - yet everyone is different - just as the rest of society. So nervousness, lack of confidence, and other unflattering characteristics are not part of the cause of this speech disorder.
All that being said - it is not easy to tell which children will move through this type of stuttering, and which will not. If you have a history of stuttering in your family, research shows your child might be one of those children that does not just pass through this period of disfluency. I would suggest calling a speech-language pathologist, with experience in working with people who stutter. The speech-language pathologist will either put your mind at ease and offer you some tips (and likely suggest you check back with her in a few months), or develop a plan to help your child. Every bit of research promotes early interevention. A visit to the speech-language pathologist is a win-win situation for you and your child.
You are fortunate to live in Fort Worth. The TCU clinic is a wonderful facility - led by Lynn Flahive. Since it is a university, the price should be reasonable - and there should be many opportunities for various programs.
I am in Frisco, but feel free to contact me if you should have any questions. I think you would be happy with the services you would receive from TCU.
The best thing you could do for your child is trust your gut. The "wait and see" path will probably only make you sick to your gut -- and sicker, if you should wait a year and learn that you should have started therapy sooner (now).
I don't mean to sound stern, but I have also been a professional member of the National Stuttering Association, and have heard many adults talk about the choices their parents made (including avoiding therapy/denial for as long as possible), and how those parental choices effected them.
Your daughter is fortunate to have a mother who is concerned and eager to help her.
Best of luck to you and your daughter,
S. Ambers, M.S., CCC-SLP