Young Emmeline (Elva Josephson, 9) and young Richard (Glenn Kohan, 10) take clothes off under water. Rear and brief frontal nudity when they skinny dip and are running on the beach.
Two girls, approximately 9 and 10 y.o. invite a boy (11) to swim at the small private indoor pool. As they are giggling while stripping naked, the boy is doubting, whether he should do the same. Finally, he decides to join the girls, and all 3 of them have fun swimming.
Lohan's character (possibly a body-double) is seen fully naked from the side in the moonlight for a split second, as she jumps into a cold lake on a dare.