You would have to FULLY immerse the filter under WOT to even have a remote possibility of sucking up water. Anything less than that, the engine will stall from lack of oxygen before any damage could be done.
We run FWI'* on the 92-99'* quite low, but it'* still impossible to fully immerse it. You would have bigger problems if you got that deep in a puddle.
Splashes and spray won't do anything to your car.
This car is a candidate:
Our FWI'* are mounted much higher than that, and are also much better protected on the 2k'*.