Answer:
Ice would form on the surface of the lake and insulate the fish.
Step-by-step explanation:
The fishes will be able to survive underneath the layer of ice where the temperature of the water will be 4 degrees Celsius.
Ice will float on water because ice is less dense that water. The liquid water underneath will make the fishes survive as fishes are cold- blooded.
However, a layer of ice above will block oxygen from entering the lake as well as sunlight. As a result, many of the plants might die. Due to this, the numbers of fishes might decrease. But those fishes which are adapted to survive in such an environment will be able to reproduce.