Yeah the water level in the pond just has to be a little above the surrounding area. With the dirt dug out of the pond it's normally pretty easy to do with the pond still appearing to not be raised.
This is of course just a precaution. Normally soil near the surface is porous enough for there not to be an issue. And for ponds without ground water issues the problem is the same when rain over fills the pond and goes behind the liner it can float. So given that floating liners can happen in many ponds it actually appears rarely. Although some "leaks" can be attributed to floating liner. Liner flows, and as water drains back down the liner goes back but now the pond is 1/2 empty or whatever and the owner looks for a leak that doesn't exist. So it's hard to tell how often floating liners are a problem.
So it isn't a certainty, but worth a little designing to reduce risk...in all ponds regardless of ground water To that end rocks, or my preference, mortared rock, can reduce the risk to almost zero even if the water level in the pond is below the surrounding ground. Rock is almost 3 times the density of water and if mortared then the sides help hold down the bottom a bit more than loose rock. So if you lay say an average of 4" of rock in just the bottom it would mean the water level in the pond could be about 6-8" lower than the surrounding ground and still be safe from floating. 6" of rock allows for 9-12" lower which is way lower than most people would want.
But sides can "float" inward too so for me mortared rock over the entire liner is the way to go. And it looks nice imo, be easier to clean, protects liner from UV (to a large degree) and walking.
You can also lay the liner with standing water in the hole. Have to be careful walking on the liner if the soil beneath is muddy as you can sink in and leave footprints. Carpet under the liner can reduce that problem, but still, socking feet is better than shoes imo.