There are exceptions. Notably, in the desert Southwest (e.g. Arizona) there are a LOT of roads that cross usually-dry arroyos. There are always signs warning motorists to never try to cross them when stormwater is running in them, and of course some do anyway based on brilliant reasoning like, “This is a Jeep!” Mr. Jeep then discovers that his vehicle is not quite in the same class as 40 cm of swift-flowing water and ends up downstream pinned against a stone/tree/abutment.
There are laws in place to charge Mr. Jeep for the lesson in warning-sign reading.