The last two posts above contain what I would call traditional wisdom concerning non-clutched fans. They detail the best way to "play it safe" if you're really worried.
That said, vehicles with factory non-clutched metal fans ceased production in about 1980, if not before. (My '78 Chevy K10 with a 250 straight six had no clutch and a 4 blade fan.)
The reality is that if you're going carefully, he first bit of water that the fan throws wets the v-belt and even a properly torqued v-belt will immediately slip when you soak it. Those fans are HEAVY, and I've never seen one bend, even when dropped into the water at high rev's. I ran through hood deep water a few times with that old K10 with no ill effects. (to the fan or radiator at least...)
I don't see how anyone doing anything could bend the old 4 or 6 blade factory metal fans, as it's impossible to flex them more than about 1/4" by hand. I would be leery of a dunking an aftermarket "flex" fan with the aluminum blades that are supposed to flex to reduce flow at high RPM's, but I'm sure many of those too have been dunked with no ill effects...
You are likely driving a vehicle that has a fan clutch, and if so, I would side with Laguento and say that it's a complete non-issue unless perhaps you're driving like a complete idiot. My TJ has been bumper to headlight deep in crossings multiple times. When you first get to deeper water, the fan splashes for half a second, then nothing. No bent fan, no slipping serp belt, the fan clutch just slips and you're good. I've never seen a bent fan or damaged radiator from responsibly driven water crossings.
To this point, if you watch a few FWD 24-7 vids on youtube, you'll notice that they never do anything about fans during crossings. I would assume most of those vehicles have belt driven fans. Water over the hood at times, and I've never seen them disconnect a fan, nor have I seen them cause damage, and they run water crossings pretty hot, likely for "exciting" video footage, and the temp is pretty high for a lot of those vids...
As for electric fans, we submerged the fan while it was running 10 times or so when I worked for Jeep (2.4L TJ Wrangler has an electric fan) and it never broke or died. I doubt it would have had a long life with the clay water we subjected it to, but I don't even recall it blowing the fuse, and we drove that TJ for more than a year after with that fan and w/o issue or fan failure.