Is this true for modern warships? WWII era capital ships had torpedo blisters to protect against hits, but AFAIK modern torpedoes don't work by blowing a hole i

Is this true for modern warships? WWII era capital ships had torpedo blisters to protect against hits, but AFAIK modern torpedoes don't work by blowing a hole in the side of the hull, but rather detonate under the keel. And the huge gas bubble formed by the detonation breaks the keel.