Most of the shoreline is very steep, rocky habitat. Majestic tall bluffs and long rocky points are most common, although sand and mud flats can be found up the Leon River and Cowhouse arms. The lake has little or no aquatic vegetation. Timber is also limited.
Belton Lake is a U.S. Army Corps of Engineers reservoir on the Leon River in the Brazos River basin, 5 miles (8 km) northwest of Belton, Texas, USA. The lake extends into both Bell County and Coryell County. Belton Dam and the lake are both managed by the Fort Worth District of the U.S. Army Corps of Engineers. The reservoir was officially impounded in 1954, and serves to provide flood control and drinking water for Belton, Temple, and the surrounding communities. Belton Lake is a popular recreational destination. http://en.wikipedia.org/wiki/Belton Lake
Largemouth bass fishing is at its best from late February through April. As the water temperature begins to rise, bass become more active and prepare for the upcoming spawn. The backs of creeks and coves, protected from the north wind, provide the warmest water on the lake. Good creeks to target are Cedar, Bear, Owl, Stampede, and Cowhouse. Spinnerbaits, plastic lizards, jerkbaits, and jig and pork combinations are the preferred baits. From May through September look for bass on main-lake points and flats next to creek channels. Stickbaits, chuggers, buzzbaits, crankbaits, and plastic worms can all be productive under the right conditions. From October through December, bass can be caught from the same areas as during the spawn. Smallmouth bass are generally caught from the dam to the Cedar Creek area at mid-lake. Early spring and late fall, when the water temperature ranges from 55 to 65 degrees, is the prime time to target smallmouth. Spawning occurs in rocky coves protected from the north wind. In summer and fall, long, gently sloping rocky points are good areas to fish. Deep diving crawfish-colored crankbaits, stickbaits, chuggers, buzzbaits, grubs, and small jigs are usually most productive. Hybrid striped bass were introduced to Belton Lake in 1977, and have since become a very popular sportfish in the reservoir. Hybrids tend to travel in schools throughout the main lake. They can be caught bottom fishing with live bait as well as trolling jigs and crankbaits, with or without the aid of downriggers. White bass fishing is best from March through May when they migrate up the lake into the Leon River to spawn. Bank or boat fishing from the Highway 36 bridge north to Mother Neff State Park using small jigs or spinners can be very productive. During summer and fall, white bass sometimes school on the surface. Try fishing for white crappie between late February and the middle of May, when crappie move into shallow water in the backs of creeks and protected main-lake coves. Spawning crappie are fairly easy to catch on live minnows or small jigs fished around stumps and submerged cover in 2 to 5 feet of water. In summer, fall, and winter, crappie can be caught around large isolated trees and submerged brush at 5 to 20 feet. Catfish are best in the spring and summer. Channel cats spawn from May to June, during which time they move into water 2 to 5 feet deep in the backs of creeks or along flats just off the river channel. Shad, shrimp, blood bait, and stinkbait all work just fine.
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