Keep me logged in until I sign out. Generally, courts don't hold homeowners liable for injuries stemming from natural hazards such as lakes and streams, even if the one hurt is a child, unless some other negligence is involved.
Homeowners are more likely to be responsible if the hazard was created artificially.
For instance, a man was pushing a child on a tree swing while attending a barbecue in New York. He stepped back onto a rotted plywood board covering a sewer trap, which gave way under his weight. A court found the homeowners liable because they knew about the danger but made it even worse by hanging the swing where anyone pushing a child on it would have inevitably stepped on the rotted cover. Another example occurred in Idaho where a couple was showing a prospective renter through their house, when the prospect fell down the basement stairs and got badly injured. A court ruled their ignorance of the code was no excuse and they could be held liable.