Most watercraft simulations are of "powerboats or jet skis". Gameplay differs from driving a car because of the fluid medium, which affects turning. These games involve racing through a course marked by buoys, with some tracks allowing the player to make jumps. Sailing simulations are rare, as the complexity of controlling a sailboat appeals to only a specialized market.

This category includes submarine simulations, which typically focus on old-fashioned submarine activities such as firing torpedoes at surface ships. Simulations of warships are more rare. Due to their slow speed, games such as Harpoon and Dangerous Waters simulate naval warfare involving entire fleets.