Risks of swimming with belly button pierce?

Don't swim in toilet bowls. After swimming in municiple swimming pools, wash the piercing. Stay out of lakes and natural bodies of water that have high bacterial counts, your local health unit will have the bacterial counts for the most popular lakes in the area. As for any activity where the piercing may become dirty, have a shower and clean the piercing. This includes being in the hot tub, wash the piercing out as soon as possible.