Wheel hubs go bad! Wear and tear. Lack of grease / lubrication and or severe impact! 4 Wheel drive hubs will go bad if they STRIP. This happens when 4 wheel drive is locked in on dry pavement, or the vehicle gets "AIR" then lands hard while tire rotation increases in the air and lands hard causing severe , instant stopping of the free wheeling tire. ETC. ETC.
Water in the hub washes the bearing grease out then leaves the bearings unprotected from friction wear
Water in the hub washes the bearing grease out then leaves the bearings unprotected from friction wear