Hi, Hooah.
I'm an arachnologist. I wish I had seen this thread sooner, so I could have showed off. I was going to call it an araneid (orb-weaver) and suggest a couple genera, including
Larinioides. Orb-weavers aren't really my strong suit, so I wasn't sure: it's good that you got someone else on it.
It's weird that you found it underwater: it must have gotten knocked off a tree or something. But, it's not dangerous. It would probably hurt if it bit you, but orb-weavers aren't known for biting a lot, and it certainly wouldn't cause any medical problems.
-Bluejay (a.k.a. Mantis, Thylacosmilus)
Darwin loves you.