Which of the following is a risk factor for developing hypothermia?

Being in cold water is indeed a significant risk factor for developing hypothermia. When a person is immersed in cold water, their body loses heat much more rapidly than it would in cold air due to water's higher thermal conductivity. The body can only maintain its core temperature for so long in such environments, leading to a drop in temperature that can result in hypothermia.

In cold water, even individuals who may feel comfortable initially can quickly become susceptible to the cold as their body temperature decreases, especially if they are not wearing adequate thermal protection. This scenario poses a serious risk, emphasizing the need for precautions when engaging in water-based activities in low-temperature environments.

Other factors, such as high metabolism, physical exercise, or wearing insulated clothing, can play different roles in thermoregulation and may not necessarily increase the risk of hypothermia in the same way that exposure to cold water does. For instance, while exercise can temporarily raise body temperature, it can also lead to excessive sweating, which may contribute to heat loss when the body is suddenly exposed to cold conditions afterward.