Before crossing water, always check the conditions.
If the water is clear, watch for big rocks or stumps.
If the water is muddy, walk across or check the depth with a stick.
Up to axles—Generally OK
Bumper depth—Use caution, check air intake
Bottom of headlights—Use caution
Headlights—Avoid if at all possible (remember, seat belts off, windows open. This will make for an easy escape from the vehicle in an emergency.)
by Mark A. Smith Mark A. Smith’s Guide to Safe, Common Sense, Off-Road Driving
As you cross:
Drive straight ahead if the conditions are good.
Move at a steady speed, and do not stop until you reach the other side. If you stop, it might be difficult to start again.
Take care that you do not damage the environment.
Operating an ORV in water or wetlands is illegal in Michigan, unless it is part of a designated trail, route, or scramble area.