My current phone, Samsung S9, got ruined in a moist tent. It said "water in charging port" and refused to charge since that point. Samsung fixed on warranty.

My wifes prior phone got cracks on it and it seemed to let in moist and then not drain or get dry. Something fried in it.

I had an S7 for years, and then upgraded to an S10e. I was just in a pool yesterday with the S10e taking video. The charging port message is to prevent damage. If the message never goes away or you have intrusion, that's a valid warranty claim.