Explanation:

- Linear

- Settlements develop along a line, typically following roads, rivers, or railways.

- Not ideal for lake surroundings as it stretches in one direction.

- Cross-shaped

- Found at crossroads, where streets intersect at right angles.

- Rarely associated with a lake.

- Circular

- Settlements form a circle, usually around a central feature like a lake.

- Provides equal access to the water body for all residents.

- Square

- Settlements have a square layout.

- Common in planned towns, not natural formations like around a lake.