Here's one to go with the Terragen 3D scenery generator.
Sqirlz Water Reflections is a way of adding a pool of water to any image. The pool can be animated to give gentle rippling reflections of the scene above it. Choose from a variety of ripples, and control details such as wave size and perspective. The pool can be of any shape. Animations can be saved as Macromedia Flash (SWF) files, and AVI video clips.
Sqirlz Water Reflections freeware