Jackson Reservoir is a plains reservoir in Morgan County, Colorado, located on the eastern plains about 20 miles east of Fort Morgan. Unlike the mountain lakes that dominate Colorado's recreation scene, Jackson Reservoir offers a warm-water lake experience on the High Plains, with water temperatures that run warmer than most Colorado lakes and a landscape of open grassland stretching to the horizon. For families in northeastern Colorado looking for a full-service lake day without driving to the mountains, Jackson Reservoir delivers swimming, boating, fishing, and camping all in one accessible package.
Swimming is one of the biggest draws here, and visitors regularly call it one of the best swimming lakes in northern Colorado. The warmer water temperatures make it comfortable for extended time in the water, a rarity in a state known for frigid alpine lakes. Arrive early on summer weekends, though, because the beach area and parking fill up fast once temperatures climb.
Boating and water sports are a major part of the Jackson Reservoir experience. Jet skiing, water skiing, and tubing are all popular, and the reservoir is large enough to support motorized recreation. Boaters should keep a close eye on wind conditions, which can escalate quickly on the open plains and create hazardous waves. Conflicts between motorized boaters and anglers have been reported in no-wake zones, so awareness of posted zone boundaries matters.
Fishing is productive both day and night, and longtime visitors describe it as a reliable spot. Warm-water species including walleye, bass, catfish, and perch inhabit the reservoir. Shore fishing and boat fishing are both viable, though anglers in smaller boats should head for shore when wind picks up.
Camping at Jackson Reservoir State Park has attracted loyal visitors for decades. The campground offers a peaceful, remote feel despite being on the plains, and the distance from major population centers keeps noise and light pollution low. Facilities include restrooms, a boat ramp, and designated camping areas.
A few practical notes for visitors: rattlesnakes are present around the reservoir, so watch children and dogs carefully, especially near rocky or brushy areas. Water clarity tends to be lower than mountain reservoirs, which is typical for plains lakes. The flat terrain lacks the dramatic scenery of Colorado's mountain destinations, but the trade-off is warmer water, easier access, and the kind of laid-back lake atmosphere that keeps families returning for generations.