This is an issue of both placement and amount.
The internal combustion engine requires both gasoline and air to work properly – gasoline as a liquid if you fill up the cylinders in an engine with it, won’t make the engine run, but it has to be sprayed in a mist and mixed as droplets suspended in air.
To that end, cars have air intakes that lead directly to an otherwise-sealed engine.
When air gets mixed with the gas, it explodes and drives pistons.
When water gets mixed with gas, nothing goes boom, the engine stalls, and your oil gets water on it which can cause damage (since water on its own is nowhere near the sort of lubricant that motor oil is)
Even in heavy rain, the fraction of air that’s occupied by water (the falling drops) is roughly 1 part per million, leaving plenty of air to burn. In comparison, flood waters are almost entirely water, leaving no air to burn. Cars can keep the raindrops out by keeping the air intake under cover but normal cars (those without snorkels) will suck water once it’s too deep.
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