A filter material for use in fuel-water separation has a particle filtration layer and a coalescing layer downstream of, and coupled to, the particle filtration layer. The particle filtration layer is substantially constructed of binder fibers and media fibers. The coalescing layer has at least 70% glass fibers by weight. As another example, a filter material for liquid fuels has a particle filtration layer and a coalescing layer downstream of the particle filtration layer. The particle filtration layer has binder fibers and media fibers and is substantially free of meltblown materials. The ratio of air permeability of the particle filtration layer to air permeability of the coalescing layer ranges from about 3:1 to about 15:1.