A crawl space is built to be the opposite of a dry, ventilated room. It sits low against the earth, is enclosed and tight, and gets very little airflow or sunlight, so any water or humidity that enters has nowhere easy to go. Moisture wicks up through the soil, condenses on cool surfaces, and lingers in the still air against the wood framing and the underside of the floor above. Even without standing water, a crawl space can hold damp conditions for a long stretch.
Several things make it worse. Outside grading that slopes toward the home and poor drainage push rainwater under the floor, foundation seepage adds groundwater under pressure, and plumbing lines running through the space can leak unnoticed. Warm, humid outdoor air drawn into a cool crawl space condenses into even more moisture. Because the space is slow to dry on its own, that combination is what feeds wood rot in the joists and creates ongoing mold conditions below the floor.