I think the only gasoline that contains alcohol is in the corn growing states or in localities where it is used as an oxygenate instead of some of the more toxic choices. We have no alcohol in gasoline in my region.
I always carry a bottle of HEET in my vehicles. I've gotten one tank of gas+water, and the engine ran terrible until I used enough HEET to get through that tank and get some good fuel in it.
I can see water trapped in a gasoline filter freezing in the cold, but I don't know of any one who has had that happen even when I lifed in Wyoming...but I only saw temps down to -50, so anything could happen if it gets really cold.
Ken