The waters of the Philippines are mostly warm, especially at sea level this is due to the country’s location on the planet. The nation lies above the Equator and enjoys the year-round tropical weather.
You will find streams that have cool running water, the temperature in these places are much lower because of their higher elevation and the dense jungle surrounding them. So like anywhere in the world, there are other factors that affect everything. But if you had to describe the temperature of the bodies of the Philippines, it is safe to say that it is mostly warm.
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