Answer
No lifeguards patrol off-season sand and water temps sit in the 40s °F—hypothermia risk is real. Polar-plunge charity events are organized exceptions with safety crews; casual dips are dangerous without wetsuits and spotters.
Sources: Ocean City Beach Patrol · Atlantic General Hospital · Visit Ocean City
Editorial visitor guidance for Ocean City, Maryland. Confirm current Town of Ocean City, Maryland DNR, NPS Assateague, and NWS rules when regulations or safety apply.
