Our eyes are a wet lens. That lens is designed with a certain amount of water in mind. More water messes with our focus.
A camera is a dry lens, any water is really bad for the lens.
In both cases, you can put a window in front of this lens that protects the lens from the water. This image will be slightly distorted due to water/glass/air refraction (light is wobbly) but be good enough to work with.
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