Safety Harbor at the Town Creek Mouth in Wheeler Lake is a muck site characterised by a mix of mud and rock bottom. Snorkellers can explore the shoreline bluffs, which feature geological formations and potential hiding spots for aquatic life. The site reaches depths of up to 3 metres and is suitable for intermediate snorkellers. Conditions include moderate currents and variable visibility. Entry is possible from both shore and boat. Divers and snorkellers should remain aware of boat traffic in the area. The habitat supports various temperate freshwater fish and aquatic vegetation typical of the region.

Wheeler Dam Rock Bluffs are located on the lower end of Wheeler Lake near the dam. The site is defined by underwater rocky ledges and bluffs that provide significant structure for divers. This is an advanced dive site requiring boat access due to the location and conditions. Divers should be aware of moderate currents, deep water, and potential boat traffic in the area. While primarily a dive location, the site is also suitable for snorkelling with a rating of 3/5. The topography offers a distinct underwater environment for those experienced in navigating freshwater wall and reef-like structures.

Sandy Beach at Wheeler Lake is a protected cove offering shallow, shore-accessible snorkeling. The site features a sandy bottom and depths ranging from 1 to 2 metres, making it suitable for beginners. Conditions include mild currents and visibility typically between 1 and 2 metres. Divers and snorkellers should remain aware of boat traffic in the area. Facilities available at the site include parking, toilets, showers, and a rinse station. The site is designed for casual swimming and shallow-water observation, with a typical session lasting around 45 minutes.

Lock Six Day Use Area on Wheeler Lake offers shore access for snorkelers looking to explore freshwater habitats. The site features submerged rocky structures and fallen timber near the banks, which serve as artificial reef elements. Snorkelers should remain aware of boat traffic in the area, as the site is located near a concrete boat ramp. Facilities at this location include parking. Due to the nature of the environment, this site is suitable for beginners. Snorkeling conditions can vary, and visitors should exercise caution when navigating near the shoreline structures.

Fleet Harbor Cove is a protected freshwater site situated on the south shore of Wheeler Lake, just east of the Wilson Dam. The underwater topography features gravel beds and rocky points that provide shelter from the main river channel. Divers should anticipate mild currents and variable conditions, with low visibility and potential entanglement hazards present. Access to the water is available via both shore and boat entry. Facilities at the site include parking, toilets, and showers. Due to the nature of the environment and conditions, this site is best suited for intermediate divers. Snorkelling is possible but limited, with a rating of 2 out of 5.

Wheeler Lake KOA Beach at Mallard Creek is a private sandy beach situated on a peninsula within the campground. This freshwater site offers shallow, calm waters with an average depth of 2 metres, making it suitable for beginners and casual snorkelling. Visibility is variable, ranging between 1 and 5 metres. Divers and snorkellers should be aware of boat traffic in the area. The site features a range of facilities including parking, toilets, showers, and a rinse station. While the habitat supports various temperate freshwater fish and aquatic vegetation, sightings are not guaranteed. Water temperatures fluctuate significantly, reaching up to 32°C during the summer months.

Blue Hole is a spring-fed swimming hole situated on a major tributary of Wheeler Lake. The site is accessible via a shore entry and provides parking for visitors. Due to its spring-fed nature, the water clarity is generally higher than that of the main lake body, offering visibility of the rocky creek beds below. This location is suitable for beginners and is rated as a 3 out of 5 for snorkelling activities. Divers and snorkellers should be aware that conditions at this site can vary.

Decatur Flats is an expansive shallow area in Wheeler Lake, situated between the I-65 bridge and the Browns Ferry Nuclear Plant. This site features extensive mussel beds and remnants of aquatic vegetation that support a benthic ecosystem. Snorkelling here is best suited for intermediate participants due to the moderate currents and low visibility, which typically ranges between 1 and 2 metres. The site is accessible only by boat, with an average depth of 3 metres and a maximum depth of 6 metres. Typical sessions last around 45 minutes. Parking is available at the site for those arriving by land before boat deployment.