Or it's in shallow water. I once fell through ice over a frozen creek and was close to hypothermia before I found another camp group after I'd been inadverntently left behind by my parents during a winter camping trip (each of my parents thought I was with the other). I was soaked in about 10F temps, but I was able to warm up, but not dry out, next to a fire. I was 9 or 10 at the time.