I do have a fear of going in to the surf too far. I'm scared of getting dragged out. I've slowly worked on it and sometimes can throw myself into breaking waves.
It all started when I was on a rafting trip as a teenager. There was a spot where everyone would jump in and ride the current to shore. I couldn't keep my head up out of the water and drifted too far out. Nearly drowned they had to jump in and get me. Oceans are not as much of an issue as before but lakes and streams NO WAY!!!!!!!