Traditional winter locations like steep drops and around schools of baitfish still apply, but focus on shallower areas nearby, especially if the sun is out. Even in really cold water, bass can move really shallow and it’s pretty much the only place you can catch them, anyway, if the water is heavily stained. You may see lots of bait on your depth finder hovering in deep water, and even some gamefish around them, but if you have spent any time trying to catch suspended fish in muddy water then you know the effort is almost futile.
The best spots are sunny points and flats near traditional deep areas as well as channel-swing banks. There will be multiple fish around the good places – very rarely are they alone. You can still catch fish a little deeper, as long as you are making contact with the cover they are in or the bottom, but shallower is normally better. Bass can feel your lure with their lateral line, but they need to see it to eat it.
“Shallower than you think" is the deal for the mud. I know this and I’m still surprised to some extent when I catch a bass in a foot of 46-degree water in January. Often, some of the best winter days have fish up in just 1 or 2 feet of water. This almost always occurs with water of at least 8 feet nearby, allowing for how deep your trolling motor is in the water, too. I’ll rarely even consider water deeper than 8 feet if it’s muddy. Not saying it couldn’t happen, but it rarely does.
Lakes that are normally muddy tend to be better than ones that are normally clear but have turned to mud. If a normally clear lake stays stained up for a long time, though, you may see a lot of really nice fish flood the banks that are normally very hard to catch when the water is clear. Anytime fish come to a new location, the fishing is good. Once they set up on something for a long time, they are not as easily tricked.
While a normal winter would have most of us using jerkbaits and umbrella rigs, the mud calls for some adaptations. A small crankbait is probably the best bait for cold, muddy water on any given day.
A square-bill crankbait is not normally on my winter list, but when the water is really muddy, one of my best baits is the Yo-Zuri Squarebill. It has flat side, and fishes that shallow rock really well. I like shad colors, with citrus shad being my favorite, but I always experiment with red crawfish and chartreuse as well.
I’ll usually have the square-bill rigged and also a Hardcore Crank MR crankbait was well, for when the fish are 5 to 7 feet deep. Citrus shad is by far my favorite in the deeper diver in dirty water. Most fish and baitfish will turn pale when the water is muddy and the citrus shad just has that pale look, with a splash of color to get their attention. Both baits I reel slowly and pause and pull with my rod through cover and rocks.
My second-best bait is a 1/2-ounce Eco-Pro Tungsten Football Head jig with a Culprit Flutter Craw trailer. Black and blue with a black Flutter Craw gets the nod here. I cut the Flutter Craw in half and thread it up the shank. I use this for those days when the fish just will not react to the crankbait or I simply mix it in on good stretches or points. A big tree on the right bank can also hold some pigs.
Other baits to consider would be a spinnerbait with a Colorado blade (or blades), a bladed swim jig or a Rattl N Vibe, depending on where you’re fishing and the conditions that day. On occasion those big ones move really shallow and can actually be spooky to noisy lures up there. Those fish are actually just sunning and not feeding, but can be tempted. The best way to catch those fish is with small swimbaits or long-casting a football jig. Waiting until the winter “magic hour" (about an hour before dark), when the water is warmest in the shallows, will get you some nice fish, so plan on fishing until dark for the best opportunities. The lightest of wind can trigger sunning fish to feed, too.
While we always want to catch a bunch of fish, cold, muddy water can be feast or famine. On some days they only feed in really small windows once or twice a day. If you are not where they are, you may go home without catching any.
Other days you can really mop up on them, catching dozens, and it can be great fun having the lake to yourself and running a pattern without competition. I’m willing to take the chance of catching nothing for that one special day every so often.