I grew up in a very small town (400 people) that was mostly surrounded by corn/soybean fields. For a few years, I messed around with a guy that lived down the street from me. He lived at the end of the street and behind his house was a huge wooded area.
We would often climb over the fence and head back into the woods. If you walked far enough, there was a small creek that ran through the woods. In the warmer weather (and a few times in the colder weather) we would strip down naked and play around in the creek. During the summer, it was nice to enjoy the cool water. In the colder months, the cold water definitely would shock you (and make your balls go inside your body). We had lots of fun playing around in the water and the area was amazing, so much nature and beauty. I am surprised we never got caught. About a 1/2 mile away from where we played was a huge trailer park and a few houses. Now, the wooded area has been developed with a bunch of new houses.
Another favorite place of ours was an abandoned house that was on the other side of the wooded area and located right next to the highway. The place was super old with all the doors and windows gone. We would mess around in the house where we could be seen through the window/door openings and sometimes flash the cars that drove by.
The other memorable skinny dipping memory is with my first friend-with-benefits. At the time, I was still living back in my hometown and this guy lived in the town where I live now. For any kind of a gay community, I had to drive an hour away from my hometown. I hooked up with this guy a few times and then we became good friends. We had been messing around for about 3 years when he broke the news to me that he got a new job in Chicago and would be moving in a few weeks. So for his last few nights in town, we went out each night and then I spent the night at his place. The night before he left, we got pretty drunk and I was definitely fighting the sad feelings I was going through because he was leaving. He lived next door to an apartment complex, and their fenced-in swimming pool was about 100 feet away from his front door. Being drunk, we climbed over the fence and took everything off except for our underwear. We jumped into the pool and mainly made out for about 15 minutes. We both tried to suck each other off while underwater and then he tried to fuck me. We tried to keep it quiet, but we were drunk and going at it pretty good, so I am sure we weren't that quiet. We jumped out of the pool and grabbed our clothes when we saw some headlights coming down the long parking lot. Luckily, they had a door that only opened from the inside, so we didn't have to climb the fence while barefoot. We ran naked across the parking lot that separated the swimming pool from his place. I don't know if anybody saw us and I really didn't care. We finished having sex by jumping into the shower and washing all the chlorine off. We fell asleep holding each other and then the next thing I remember is him waking me up and telling me I had to go, the movers were going to be there in a few minutes. I ran into him a few times in Chicago, but we never kept in touch. He didn't age well, so I always like to remember him that last night we spent together while we were skinny dipping.