Even if the air reaches the freezing point or even a bit lower it takes some time for the water to cool down. And again if there is some sun then it will heat up the water first and it takes some time for this heat to be transferred to the air. So when you see weather getting freezing cold during the night and then a bit above during the day you typically do not see the lakes freezing.
For rivers or fast moving lakes it is even worse as the water will be constantly moving and therefore never have time to freeze. Cooling the water does not work as it will just get replaced by a bit hotter water. It is also very hard for ice crystals to grow in constantly moving water as it will only get broken up as soon as they form. So a river can actually be a few degrees bellow freezing, and the air above the river can be far bellow freezing.
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