This is DJI's take on flying over water.
"The prospect of flying over water can be a scary one for most drone pilots. Water environments are often filled with potential hazards such as boats, waves, high winds, and even birds. Although DJI does not encourage flying over water, professional aerial photographers and videographers will sometimes have to do precisely that. Therefore, this article offers constructive advice on what you can do before and during your over-water flight to ensure safety."
How to Fly Safely Over Water - DJI Guides
I fly over water 2 or 3 times a week, it's fun and generally safe. With some drones I fly very close to water, Mavic Air (1), Mavic Pro (1 and 2)
Phantom 4 Pro (2.0)
and
With the 4 Phantoms and the Mavics (not mini) you can safely get pretty close to water with extra vigilance.
Like anything you need to practice a lot to get to know your and the drone’s capability.
This dunking was the only dunking I have had apart from a
P4P V2.0 when it was hit by an unexpected high wave. In both cases DJI care replaced them without charge.
I suspect this MM dunking was very unusual even for a MM.
But the lesson is to be extra careful with a MM over water or other reflective volatile surface. A more important lesson is to have good insurance. Both DJI Care and your own personal insurance as a backup. I have never been out of pocket, so to speak. When we use the word safe it is only in reference to the drone. Never take any risk around people or property.