This includes human-powered craft. A lifejacket is your best defence against cold-water shock. Research shows that unexpected immersion in cold water is a serious risk to life if a boater is not wearing a flotation device. This is true despite the boater's experience, closeness to shore, and even swimming ability.
The states currently participating in the Nurse Licensure Compact are: Arizona, Arkansas, Colorado, Delaware, Idaho, Iowa, Kentucky, Maine, Maryland, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin.
A dozen states -- Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah -- and Puerto Rico currently have no-fault systems. (Eight other states have no-fault personal injury coverage as an add-on, supplementing whatever damages an injured person receives via a tort system.)