A couple of the poster's above imho, nailed it-ish. It's northern temps, mixed with sitting in those temps. I have to empty the water out of my John Deere at least 2 times a year. I think it's 100% caused by the temperatures dipping down below freezing. The tractor gets used all the time, but is a fuel sipper so time between fill ups can vary.
The water separator has at times gotten quite a bit of water in it.