I used to work in pool maintenance and we had an underwater light for night swimmers that got knocked loosed. It had wiring in it and if you stayed within about 5 feet of it for more than 30 seconds you were likely to get a small jolt. Most people said it just felt like their phone was vibrating on their kidney though.
Electricity disperses pretty widely across water. Even if you have a dangerous bolt of lightning striking a body of water it dissipates very quickly. If you’re swimming in the ocean and lightning strikes you’re likely never gonna be able to tell. It only spreads damage across the top of the water very widely and typically doesn’t transfer more than a short distance down. That’s why you don’t often see just schools of dead fish shocked to death. Though occasionally you do see some if they were near the surface’s edge when lightning struck.
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