-Never ride into something that you can't see the bottom of.
-If there are not too many obstacles, you can ride through the water as 
 usual.
-Instead of cranking in a high gear, try spinning in a low gear if the 
 water is too deep. 
-If the water is real deep, try ratcheting your pedals by doing quarter 
 pedal strokes. 
-Brakes will be much less effective when wet, so watch out.
-Water can get into bearings and damage them.  So don't ride things that 
 are too deep (anything higher than your bottom bracket is considered  
 deep by most people).
-After riding through the water, pulse both brakes a few times to scrub 
 off the water.