I have had many ponds in many houses,but I learnt the hard way,you must keep the ponds covered in Winter (in the UK anyway) this is why we only have raised ponds now,which I admit isn't going to help all those with ground level ponds,but the principle is the same.
Heat rises,so by >
1)adding a layer of thick Bubble wrap cut into strips and if you can stick them together.....
2)lay this on the 2inches x 2inches frames already made.
3)then completely cover with a white tarpaulin..
4)Fix cleats or hooks or nails all around the (lower) walls of raised ponds.
5)Then buy an inner tube from any old garage for £2 (not perfect ones) cut the tube into strips so you have strong elastic bands.Thread these through the individual holes that are ready made in the tarpualins.
6)stretch them down to meet the cleats or hooks and ,voila, a pefect tight fit.
.................................................................................................................................
If you haven't got frames,you can still use 2 x 2 long pieces of wood (very cheap to buy) and just lay this across your pond,put the buuble on this and the tarpaulin on top,you can use tent hooks in to the surrounding ground to tie the tarpaulin too.Don't worry about air getting in,it will around the edges.
........................................................................................................................
Type in "white tarpaulins on google" and the firm comes up top.Mine were so cheap,they are very strong with excellent penetration for daylight.Delivered next day to ordering.The thick bubblewrap can be left on the actual surface of the water but only two thirds must be covered,it won't sink it just floats.I prefer the bubble on frames.
The heat must stay in the pond -- you don't want to heat the surrounding air...I like white tarps as we have plants (watercress,starwort etc) covering the pond surface,and I do not want to lose them as the Koi eat them..
Here is a pic of my ponds in Summer >
you may be able to see some cleats in the walls.