We are on a well also (I was a city girl til we moved here). Two years ago during a cold snap the insulation slipped in our well house and the pipes froze. It was bitterly cold and my poor husband was out there working on it. Got it fixed and we insulated, insulated and insulated some more. No problems in the cold snap this last couple days. To "Beachlady", if you lose power during a storm be sure to get some water in pots before you lose pressure. Our power can go off for 4 days and at least we have some water.