I have two:
The first happened when I was maybe four, possibly five. Pre-school anyway. My younger brother was a babe in arms so Mama was holding him while Daddy was standing at the edge of a little creek throwing a stick out in the water for me to retrieve. We didn’t have a dog so I was it. The creek was maybe 20’ wide with the first 15’ or so very shallow and with a gravel bottom. The last 5’ or so got suddenly deeper, to a depth of maybe a foot or two. It was a quick-moving creek and lots of people were sunbathing or wading or just hanging out near the water to stay cool. Maybe 50 yards downstream from where I was playing the people thinned out, the creek got wider and deeper, and there was no reason to be down there.
Anyway, Daddy tossed the stick out into the deeper water and turned his back and went back to where Mama was. As soon as I stepped into the deeper part the current sucked me under and I went tumbling along the creek, gasping for breath, strangling and panicking. If it hadn’t have been for the last man on the bank, who grabbed my hand and pulled me out, I wouldn’t be here. It all happened in less than a minute.
Next summer I learned how to swim in the public pool.
The second time was when I was in my teens and some friends and I had gone up to the lake. We stopped on a bridge and decided to jump and dive off of it into the water, since there was a well-worn path back up to the roadway and it was obviously a well-used swimming and jumping/diving area. (I don’t think any of us had the presence of mind to check how deep the water was, and it was murky so there was no way to see how deep it was). I had gotten in the habit, in the public pool, of diving in in such a way as to get to the bottom and then kick off from the bottom, thus avoiding any excess swimming to get back to the surface.
When I dived off the bridge I had that same technique in mind, but the combination of not getting a deep enough breath and the fact that the water had to have been at least 20’ deep, made my attempt to hit bottom useless. And the water got very cold about 10’ down. By the time it occurred to me that I was going to have to swim to the surface, I was almost out of breath, scared, and had difficulty seeing the surface. I was about to have to breathe when I finally broke the surface and my friends just laughed at how panicked I was.
A couple of years later, a kid I knew in school and some of his buddies had stopped on a bridge to dive into a creek, maybe 30’ below. They didn’t check the depth (which was less than 5’) and the kid broke his neck and died there. Note to the wise: look before you leap.
Any close calls for you?