M.N.
As a swim instructor and swim team coach many kids that come for swimming classes before two do well in the water then if they come back the next summer at two they freak out. Very normal!! She's getting the sense that water can be scarey. Ease her back into it. Maybe take her to find a new water toy? This will also pass even though it can be very frustrating. Has her doc looked at her bottom? My neice has had her area close shut etc. I don't really understand it but my sister in law has had similar situations with the diaper issue.