セイ, サイ, すご.む, さむ.い, すご.い, すさ.まじい

bitter cold, miserable, dreary

JLPT0 G13 S0 F5000

As per # (aligned) + water → aligned torrents/cascades of chilly water → *chilling*; (terribly) *cold*; *dreadful*.

[Full Kanji Etymology List]