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If your ball falls into such a water hazard, the golf course typically has a ball drop marked on the far side, where you take your next stroke. Sometimes the distance needed to be covered exceeds the ability of the player--this is the main reason for the ball drops.
Water hazards can be made by lakes, streams, rivers, ocean, ponds, swamps. In areas in the Southeast United States, use a ball retriever to fetch a ball in the water due to American Alligators and Cottonmouth snakes.