Most recent model cars have the fuel filter surrounding the fuel pump in the lowest part of the gas tank.
A little gasohol once in a while will pick up any water in the tank.
Modern stations have double walled tanks and the chance of having water in the tank is very small. It did happen at a place I worked at in the 70s. The first three cars all went a block or two and died when the water was pumped into the engine. Very unlikely these days unless the tank lid above ground is not sealed and you have water coming in there.
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