In , molecule below the dipole moment is zero although the B- F bonds are oriented at an angle of to one another. Net dipole moment in molecule is
CO2 is linear, so even though the C−O bonds have individual dipole moments, the overall dipole moment is zero as these cancel out (they point in opposite directions, as shown in the diagram below).
On the other hand, H2O is "bent", which means that the individual dipole moments of the bond are at an angle to each other and because of Presence of lp on head of O atom in H2O therefore it has max dipole moment.