as a 6-7yr old I fell through the ice walking across a "frozen" lake. My dad plucked me out before serious harm, but it did ruin our sledding for the day.
as a baby, my dad was driving us in a 6 wheel ATV like this http://www.maxatvs.com/graphics/v2/vehiclesplash/vehicle_splash2.png
when we were caught in a flood and washed into a logging camp with huge logs crashing around threating to crush us and then drown us. Again, I was plucked from sure death by a daring logger who jumped from log to log through the moving water to rescue us.