Maybe a larger explanation. Over time the bearings of any fan wear out. That is, the clearance between the fan shaft and the circular sleeve around it get wider. This clearance changes slightly as the bearing temperature changes, and is loosest when the system is cold.
On a new fan the clearance is so small you hear nothing unusual. When the bearings wear down enough, what happens first is that, on a cold start-up, the shaft rattles around in its bearing sleeve for a few seconds - may be a minute - until they warm up and the clearance decreases, and then the rattling action stops and it stays quiet. Even if you re-start with a warm fan, this noise does not happen. It only happens again when you start from cold. As time goes on and the wear continues, this noise on cold start-up lasts longer before it goes away. Eventually it never stops and the fan is always noisy. After that it's only a matter of time until the fan stalls completely and cannot run.
So, you do not have an immediate problem. And no, surge protectors and other stuff will do nothing for you., This is strictly a mechanical wearing out of parts and the only solution is to replace the fan. When? Not needed when this first happens. But as it gets to longer noisy periods on cold start-ups, be prepared to buy a new fan and replace it.
Which fan? Sometimes you can tell if you open the case after the system is cold and start up. Sometimes it is not obvious. But you can do a little test. Start up cold so you have the noise. Use your finger or a pencil with an eraser. Reach in and, one at a time, stop each fan for a moment, then let it go. You will find out which is the noisy worn fan.
IF the noisy one is the one cooling your CPU, on many cooler devices the fan can be removed from the heatsink and replaced without ever having to remove / replace the entire CPU cooler system. If you do that, be sure to get a fan designed for high air pressure uses. If you can identify the old fan and look up its specs, get one that can deliver the same or better air flow at comparable backpressures.