And does it make a difference whether it's a proper ford or a flooded road? IMO it does, I would be more likely to ride through a flooded road as the water is not running and there's (I think) less likelihood of submerged objects and slippery bottom.
Great Brook, OxonFine until you get halfway along and suddenly recall, as yer nadgers get an imprompteau wash
(56cm frame, 700c's), that the road dips some additional two feet between culverts
Funniest thing was getting to the Buckland Rd end, and some some geezer in a Subaru estate asked if they could get through; we told 'im to go round via Aston, and the dork promptly tried driving it across the field to the south. Fair do's - he got halfway before he totally trashed it