Hypothermia is one of the greatest dangers when you go out on the water. It is usually thought of a cold-weather or cold-water condition; but it can occur at temperatures well above freezing, even in waters as warm as 80°.
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According to the National Center for Cold Water Safety, water temperatures below 70 degrees Fahrenheit should be treated with caution. Water temperatures between 50 and 60 degrees Fahrenheit makes it difficult to control your breathing, and anything lower than 40 degrees is painfully cold.