Sunrise, I have been caught in the AZ monsoon many time's, and you know what that is like.... I have had no problems yet, I try to be as careful as possible not to splash to much water up towards the motor. I did one time get a little to much water in the mag and lost fire to the plug....I use a little silicone to go aroung the cover and as far as I know that should work.
But I have never got water to the carb. It can happen, but if you take it easy you should be okay. Just look out for those motorist that will do anything to splash you with there car, they think it is soooo funny.