1995 Ford Contour what could be wrong with engine

Well I live in indiana and when it rains the roads flood. Well was take the child to school for the week, well 3 daays out of that week ran threw water. Then one day after I picked him up car stalled. With in a few minutes it started. Then just before we got home it died again. After a few hours went out to start it there was white smoke and a weird noise coming from car. Checked the oil and there wasnt any. Put oil in. The next day I was half way to the school the engine light stayed on. Got there and turned car off. Couldnt get it to start. Waitted 30 minutes it started, then just before we got home it died again. There is oil in it, but now I fine some in with the spark plugs. Help me plz.