Prefixes in: create, surface, climbs, waterfall
There are no prefixes in the words: create, surface, climbs, or waterfall. These are all complete words that are made up of different parts. None of these parts is a prefix.
Create is a complete and unique word, with no parts. Surface is also a complete word, and is not a combination of sur- and face. Climbs is also a complete words, and limbs is not combined with a c- preffix. Waterfall is a complete words, and is a combination of water and fall.