How dangerous is water to a cold air intake?

I have a 1999 Ford Ranger that I recently bought and it has pretty bad gas mileage and I'd like to fix that and the power behind the engine. Where I live we get pretty significant rain fall and some small puddles that you end up having to drive through. The last think I want to do is hydro lock my engine. Are heavy rain and small puddles actually a danger for hydro locking a CAI? Even if I were to buy one of the waterproof jackets?

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