you can put a hurtplrinzone in the same area as a waterzone, that might not work because it will hurt the player wven when jumping so put the hurt script right in the water zone
:state=0,plrwithinzone=1:water=1,waterfogdist=2000,waterheight=10,state=1
:state=5,plrwithinzone=1,plrhigher=10:etimerstart,state=6
:state=6,plrwithinzone=1,etimergreater=100,plrhigher=0:plraddhealth=-1,state=5
:state=6,plrwithinzone=1,etimergreater=100,plrhigher=10:plraddhealth=1,state=5
change the states around to fit in the water zone or whatever
I appear to have burst into flames...