And I start to think I got the wrong impression in the first place. Are we talking about torpedoes? If that's the case, then no, hitting exactly on the water line is not more effective, for the simple reason that a hole completely beneath the waterline lets in more water, and the blast from a torpedo tends to rupture bulkheads and decks all around it anyway.
A keel shot doesn't necessarily do more damage than any other hit. It's advantage is that the shock wave coming from directly beneath the ship has a good chance of actually cracking the keel itself, in which case the hull can't hold itself together and the ship breaks apart, and the job is done.
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