that happened to us in AUGUST once. It rained all night hard, very hard. The next day current was running the opposite direction from normal, and we hit several fresh water pools with a 10 degree temp drop each time.
In fact, that was the day we dropped in on Santa Rosa reef... our group was heading south, when we noticed another group heading directly towards us, drifting very fast. We knew that meant there was a down-welling coming up very shortly somewhere in the middle so our DM and our whole group headed quickly through a swimthrough to the inside of the reef, away from the wall. Freakin' scary!!! Our DM lead us over the sand a bit, then signaled to end the dive. Even he was freaked out. I don't know if that other dive group realized it, or got pulled down, or if nothing happened at all, but it made me very aware of watching all directions around me, especially when the current seems to be weird. That dive was also when our DM, a Cozumel resident his whole life, said it was the first dive he had gotten cold. Ever. And it was August.
robin