Water in the engine has been killing engines for centuries...
It is much easier to protect an EFI engine than it is one with a carb, I have worked thru putting a snorkel on mine and more than splash protection is pretty hard to do.
I really did not like driving in deep water before mine stranded me in freaking river anyway... so it is easiest so far to just avoid it. The gut sinking moment the fire went out in mine I was terrified that it hydrolocked... thankfully it didn't.
Now off to the quote thread.