I think it pays not to be too casual about driving through floods even if done sensibly. Gear cases have breathers and differentials tend take a bit of water in if repeatedly doused.
There's a road near here that floods to about 150-200mm and did so last month. Almost anything will get through with care, but there were at least 5 drowned cars winched on to a wagon according to my friends who live there. The one I saw was a very new BMW 1 series. There still seem to be people who genuinely think it's best to go as fast as possible.
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