User blog comment:RuckusQuantum/Plot Twists and Tips/@comment-28938497-20150314174328

I'm not sure what it would fall under, but the classic urban legend plot twist is that danger was present, but the character appeared to be secure from them, but it turns out that the character was not secure, and they were in very real danger without realizing it. There are variations on this. Sometimes, the character isn't the narrator, in which case, that character is probably dead.