I’ve spent years around water. Pools, beaches, lakes. With kids, without kids. Short swims and long days outside. And one thing became very clear to me over time: sun protection works very differently in water than it does on land.
Most of us think we’re doing the right things. Sunscreen. Hats. Shade when we can. But once water is involved, many of those habits quietly stop working as well as we assume.

Why Water Increases Sun Exposure
Water creates a perfect setup for more sun exposure, even when it doesn’t feel that way.
Reflection
Water reflects sunlight back upward. This means your skin and scalp are often getting hit from more than one direction, not just from above.
Longer Exposure
Time in water adds up. Swimming, playing, floating, or just standing in the water usually lasts longer than we realize. Breaks feel shorter, and exposure stretches on.
Cooling Masks Damage
Water cools the body. Because you don’t feel as hot, it’s easy to miss early warning signs like redness or irritation until later.
Why Sunscreen Alone Often Isn’t Enough
Sunscreen is important, but in water it has limits.
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It washes off gradually, even when labeled water-resistant
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Reapplication often gets delayed or forgotten
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Coverage is rarely as even as we think, especially on the scalp, ears, and neck
In real life, sunscreen works best as part of a system, not as the only line of defense.
Why Common Sun Solutions Break Down in Water
Many sun protection habits are built around land activities. In water, they often fall apart.
Clothing Shifts
Swimwear moves. Rash guards ride up. Coverage changes once you’re active in the water.
Hats Fail
This is one of the most common issues I’ve seen. Hats slip, float away, or get taken off because they’re uncomfortable or impractical in water.
I wrote more about this in detail here:
https://nammuhats.com/why-regular-hats-fail-in-water/
Once a hat comes off, it usually stays off.
What to Look for When Spending Time in Water
Water-friendly sun protection needs to be realistic, not ideal.
Consistent Coverage
Protection that stays in place matters more than protection that’s perfect but temporary.
Materials Designed for Water
Quick-dry, lightweight fabrics behave very differently than materials meant to stay dry.
Secure Fit Without Constant Adjusting
Anything that needs repeated fixing won’t last long in the water.
Compatibility With Movement
Swimming, splashing, paddling, and playing all require freedom of movement. Protection has to work with that, not against it.
A More Realistic Approach to Sun Safety in Water
Sun safety in water isn’t about doing more. It’s about doing things differently.
Instead of adapting land-based solutions and hoping they hold up, it helps to think about water as its own environment with its own rules.
When sun protection stays on, feels comfortable, and doesn’t interrupt the experience, people actually keep using it. And that consistency is what makes the biggest difference over time.
If you want to explore sun protection designed specifically for water, you can learn more here:
https://nammuhats.com









