It seems the music doesn't trigger from the latest texture, but from the underwater texture. There are usually two types of water: either water created by the level (which isn't a texture, so the music comes from the seabed texture), or water-texture, which is used to create rivers, lakes, and shallows. It's similar to lava and swamp, although movement is generally disabled on lava.
You can also assign a separate track to the swamp; it seems to exist in the resources as Terrain-Swamp.ogg, but it isn't used, and the water track is played instead.
I've noticed that sandy textures are mostly hidden underwater.
NVS 3.0 (Narron's Visual Solutions for HOMMV)
- Ссылка на скачивание мода;
- Ссылка на Компендиум NVS 3.0;
- Сообщество проекта в vk.com