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up here i use DK in every tank..when it starts to get below 0 i will change my fuel filter every 5000 miles..january though febuary it stays 30 to 50 bellow and never yet had a problem with water or jelling..
I would think that as the water froze and began to expand, it would simply push the fuel in one direction or the other... most likely towards the engine through the pump. Then again, with the fuel density increasing as it gets colder and taking up less volume, there might just be something close to a one-to-one offset between the expanding water and shrinking fuel.
If you had small amounts of water in the fuel filter bowl, the fuel bowl heater will melt it eventually. But if there is enough to cause the light to come on, you may be in for some down time if it froze in the bowl.
The only time I've been stuck was where the fuel gelled or there was water in the line and froze. Truck would start up but would eventually starve itself and stop. After getting half way to work, I just parked it and towed it back home. I had just purchased a tankfull the night before. May have been bad fuel. The Temps rose to a minus 10*F and the engine ran purfect. I don't want that to happen again.
Note: there was no water to be found in the fuel bowl. not one drop in the drained fuel.
Ive heard, that the stock fuel water seperator doesnt do that good of job taking the water out anyways on the pressure side of the fuel system. It works best before the fuel pump, and thats where water should be taken out. I got rid of the POS, and added a filter setup before the pump.
To the OP, dont worry about it, IF it freezes and it does expand(probably wont), the worst that COULD happen is the fuel will get pushed back through the system. That happening is the least of your worries, worry about gelling so add some anti-gel additives.