I dropped a “house base” instance into the river as a makeshift bridge (it has a nice flat top) and for some reason I couldn’t prevent the navmesh to make a connection from it down to the water (besides having same height drop as with the shoreline), so I added some invisible fences with navmesh obstacles on the bridge’s sides. That in itself works reasonably well, except for an issue where the character glides along the fence object as if on a rail or conveyor belt. And at the end of it the character might try to turn around and run into the fence field again, only to be repelled over and over…
So, trying to jump into the water is not a recommended activity. Plastering the whole river with obstacle objects so it’s surface will not be a navmesh area on its own doesn’t seem like it would be a viable option, though…