How to Photograph Bodies of Water Using Your Digital SLR
Compose the picture.
Cresting ocean waves create their own visual interest, but if you’re photographing calmer bodies, look for clouds or reflections in the water to provide a complement.
Place the horizon line in the lower third of the image if you have a mountain range or other attractions in the background. Place the horizon line in the upper third of the image if the scene includes a shoreline and wonderful reflections in the water.