The Stream Hazard is adapted from Tor Gjerde (who calls it a River). It is described as follows: Effect on Movement: Non-flying non-native characters are Slowed. Effect on Striking: None. Effect on Rangestriking: None.
Any character native to Woods or Plains is native to the Stream.
Here are the Titan Badlands (PDF, Zipped, 2,76 Mb) from an old General (for which permission to reproduce
had been granted); you'll need this to use the Lake Hazard above.