My dad went through one of those in England where it was a bit deep. The car had to have a new engine.

Make a mental note of the level of the air intake for the engine in your car, if the water doesn't make it that high you should be fine as long as you don't get stuck (no, i don't where it is on my car).

The engine gets damaged when water gets into the piston chamber i think. Water compresses less than air so important things bend or crack if the engine is running too long with water in it.

I wonder how electric cars fare with deep water.