Most of the algae that grows in lakes and ponds is harmless---but there's one kind you should watch out for. The Department of Health warning folks about blue green algae, which can be recognized for its blue-green colour and paint-like scum it leaves on the water.
It causes skin, eye and throat irritation and even more serious effects if consumed. Young children and pets are particularly sensitive.
You should avoid swimming, water-skiing or other activities in water showing signs of blue green algae.