A girl has come back from the future, the far off year of 2112, a future ruled by hideous replinoid monsters. She has come back hidden away as as a coed in a typical Japanese school in the past to find a hero, a man strong enough to wield her futuristic sword, and fight of the replinoid monsters and save the women of Earth from a grisly doom.
Fobia rushes right through the plot. Everything happens so quickly that there is no proper pacing or development. If you're going to have plot in your hentai, actually develop it. Otherwise, just put all of your focus in
the sex scenes, which is what people come to (heh) this stuff for in the first place. Plus all of the plot points are so cliched and tired that you know exactly what's going on.
For some reason, the anime goes between slap stick and horror, and because the hentai is rushing through the plot, having the anime go in between both can cause some whiplash. I guess it's not the worst horror themed hentai I've seen, but those standards are pretty low. I still don't know who the audience for horror themed porn is. I guess there has to be some audience for it, and you have to get your tentacles in there somehow.
Considering what we're here for, let's talk about the sex scenes. The few sex scenes there are here are not that great, with most of the run time being taken up by plot. At least something like "Mystery of the Necronomicon" actually paced out it's plot, even though it wasn't that great. Here it's just terrible plot with sex scenes that are too few and far between, and are too short to be considered good.
The anime ends on a cliffhanger, and I doubt that it's going to ever get resolved considering nobody has ever heard of this, and I doubt that the people who have aren't clamoring for more. I imagine it would be the same cliched and trope filled plot as the first two episodes. The anime is episodic in nature, leading to every monster encounter being exactly the same.
The English dub is the typical 90's English dub you see in most terrible anime from the time, and is lazily slapped together because the English distributer had to slap something together for it's Western audience just so people didn't have to read while jerking off. You even get the odd line, such as our main protagonist saying "But she was such a cute girl though." in response finding out that one of his classmates was found dead in the school pool. Not exactly that great of a protagonist when he's thinking with his dick.
If you're looking for something to wank to, you should probably skip Fobia unless you're really desperate, or mediocre 90's hentai is your thing. However, if you're looking for something for your so-bad-its-good night of anime watching, you could do a lot worse than Fobia.