Thanks bcelect. 
Our local problem area is Lake Tahoe.  People drown there every year due to cold water.  One year a Sheriff's Dept deputy drowned while on duty.  He put his patrol boat on a buoy, and stepped into the tender without wearing a life jacket.  The small boat capsized and he drowned in about 10 feet of water.  He inhaled a lung full of water when he fell in.