Lifeguards work the main accesses through the season under the town's beach services contract, typically from late spring to early autumn during daytime hours. Stands are concentrated at Coligny, Driessen, Folly Field, Burkes, Alder Lane and the resort beaches. Outside those months and hours, nobody is watching.
Coloured flags at the stands carry the day's assessment. Rip currents are the genuine hazard on this coast, particularly around the ends of sandbars and at the mouths of the creeks on a falling tide. If you are caught in one, do not swim against it. Swim parallel to the beach until you are out of the pull, then come in at an angle.
The water is warm from June to September, often in the low 80s Fahrenheit, and cool enough to be bracing in April and October. Visibility is poor by Caribbean standards because this is an estuarine coast with a lot of suspended sediment. That is normal, not pollution.
Stingrays are common in the shallows in summer. Shuffle your feet rather than stepping down and you will almost never have a problem. Jellyfish arrive in warm-water patches, usually late summer, and the sea nettles sting mildly. Sharks exist here as they do everywhere on this coast; incidents are rare, and the practical advice is to avoid swimming at dawn and dusk, near fishing lines, or where bait is being worked by birds.