。
She's terrified of snakes.
Literal
She [topic-は] snakes [object-を] very is-fearing.
こわがる ('to be afraid, fear') is the verb form of the い-adjective こわい ('scary'), formed with the suffix ~がる that marks the outward expression of an internal state for a third party. With こわい, you can say 私はこわい ('I'm scared') for yourself, but for someone else, the canonical form is 彼女はこわがっている ('she's showing fear / is afraid') — the suffix ~がる makes the inner state observable. ~ている here marks the ongoing emotional state.