A Naiad is a female water spirit that lives in freshwater lakes and ponds. It does not venture more than 50 yards from its home pond or lake. It may travel between bodies of water through rivers, streams, and even underground watertables. The same naiad may be encountered in numerous locations in a particular area.

A naiad appears as a beautiful human woman clothed in water plants and vines. Usually, only one naiad is encountered at a given time. However, they do congregate from time to time to exchange information and to sing together. Their songs can only be heard late at night, and some humans have drowned themselves searching for the source of the music.

A naiad is intelligent and curious, but does not expose itself to harm or participate in combat. If threatened, it simply disappears underwater. In some cases, it will charm a person and force them to leave the area. It may use this ability as often as it likes; it functions like a charm person spell.

A naiad keeps a close watch on its given area. It is willing to provide information, but always demands gold or gems in return. Occasionally it will part with some of its hoard to hire adventurers to help it deal with threats to its lakes and forests.