Starter whirring

My 2003 Rubicon this morning whirred like the solenoid was stuck or bendix not engaging. Tapped(not hard) on front of starter housing and it started just fine. Went through a puddle last night and the temperature here today won't make it to 15 above zero. Maybe water?
 

Yes, a little bit of moisture and freezing weather will wreak havoc.
 
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