I am in Md. also ( N of Balto. ) and have a 2500 gal pond with 11 large koi. Every winter I shut every thing down except 2 large aerators that run 24/7. I have a PVC frame ( 1-1/2" ) that I put over my pond. I then drape clear "reinforced poly" over the pond and use bricks etc on the edges the keep the wind from blowing it, Reinforced poly is clear with nylon strings inside . Very tough, The light comes through it very well and this acts as a hot house. The water very seldom freezes but during extreme cold the water will have a skim of ice. I keep a heater on hand for those few times. This has worked extreemely well for me over the years.