From what I understand about the laws here in Texas, anybody can build a pond on their land without any sort of permit or government involvement if it's under 90 acres of surface water and if it does not affect a named creek or river. We have a lot of creeks without names to them, and from what I understand, you can dam them up without a permit. If you want some form of financial help in building a pond, and you can prove to whatever agency you go to for that help, they will create a list of rules that you have to follow. If you want to dam up a named creek, you need a permit from the River Authority over that creek or river. Usually they are the ones controlling the big reservoirs in the area. I have no idea who you talk to if you want it over 90 acres, but when I see ranches for sale that have really large ponds, they almost always mention that it was permitted.
Here in lovely Live free or die NH you need wetland permit for a driveway culvert. If you do one without, make sure you are well liked in the neighborhood.
Docks and waterfront are monitored by satellite imagery, plus aircraft and conservation guys in boats. It used to be you could get a dump truck of sand and spread on ice in winter, hope for snow to hide what you have done. Come spring, you have a little beach.
There are 40 million dollar homes on Lake Winnipesaukee
www.winnipesaukee.com Beach front is scarce when you can't make more.
To build my driveway and a 1/4 Acre of ponds, I had to retain an environmental company to do a $5,000 report and remediation plan, including vegetation and subsoil studies, endangered species habitat, plus pay the state 10 cents a square foot for any altered area. The state now technically has jurisdiction over those areas. Why do I have to pay the property taxes on the area still?
During our build process an abuttor (Could not consider him a neighbor, and since moved thank God!) made a complaint to the state. Lucky I'm an engineer and had made buddy buddy with the guys in the state DES and they walked me out of the paperwork mess.
Granted, my little ponds run in a few acre pond that feeds via a seasonal unnamed stream into a larger conservation recreation pond that also acts as the towns emergency water supply. At least they still let people swim in it, but that may change as population grows. My only beef is the state can pick on the little guys, and the whole process should be simpler. Also the big guys with political connections seldom get called to the carpet.