Ah, lakes. If you are planning on making the lakes traverseable, you will have to use some tricks that are laid out in the NWN's forums at Bioware. The little known functions of the toolset has some stuff on this.
If, on the other hand, you want to just lay out a basic lake, there is a water tile in the terrain painter. For desert, or forest, I believe. In fact, I think most of the basic tilesets have water tiles in them.
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