Yep I wrapped mine well also. Had water at 0600 and none at 0800. Built a box with heater inside and put around above ground meter and line into the house since it appeared my insulation job wasn't enuf. Didn't dream it was a system failure. Water with pressure retuned about 0930. I thot my heater had done the trick. Then the message from MUD at 1027 that only one pump on the line please conserve. Then these posts. Guess my insulation might have been better than I had imagined. I will be installing plumber thermostatic controlled heat tape for the future. I use it on my house in MT and it works great. Right now it is hard to buy. I'll have it for the next time. Stay warm!!
God bless each of you and pray for god's blessing.