Many states put restrictions on or have approval processes for the construction of ponds / lakes. CONSULT AN LAWYER!
Can't vouch for other states but.....
The Small Pond Exemption
The Texas legislature has encouraged the development of certain types of small ponds and lakes by exempting some landowners from the surface water permit process. It is often called the “stock tank” exemption. Section 11.142 of the Texas Water Code allows a person, without obtaining a permit from the TCEQ, to construct
“...on their own property a dam, pond or reservoir storing not more than 200 acre-feet of water for domestic and livestock and fish and wildlife purposes.”
An acre-foot is a volumetric unit; it is equal to the volume of water required to fill one acre with exactly one foot of water. On occasion, a pond can exceed the 200 acre-foot limitation if its 12-month average is at or below the 200 acre-foot level. The pond may be located on-channel, adjacent to the stream, or on a contiguous piece of property.
Basically if your pond is an average of 10' feet deep, it can reside on 20 ac of real estate, without TCEQ permitting.