In the ocean, the lightning disperses over a large area of water. So if you are not at the surface, you are less likely to have a problem especially as you go deeper.
In fresh water, you are usually close to or under land masses. I think that is the issue. The lightning will pass through the water due to all of the land a lot easier than in the ocean. I have read threads on cave divers who were diving when lightning struck and zapped them inside of the cave.
I really don't know about all of this stuff. Just sorta repeating it. So if an expert posts, follow his/her information.
In fresh water, you are usually close to or under land masses. I think that is the issue. The lightning will pass through the water due to all of the land a lot easier than in the ocean. I have read threads on cave divers who were diving when lightning struck and zapped them inside of the cave.
I really don't know about all of this stuff. Just sorta repeating it. So if an expert posts, follow his/her information.