MOST LIKELY to result in the swamping of a boat?

Swamping of a boat is most likely to occur when it is overloaded, improperly balanced, or encounters rough waters and high waves. Additionally, factors such as poor weather conditions or sudden shifts in weight can exacerbate the risk. Boats with low freeboard or inadequate flotation are particularly vulnerable. Operators should always adhere to weight limits and ensure proper loading to minimize this risk.