That buoy with vertical black and white stripes isn't decoration — it's telling you there's something solid and unwanted between it and the nearest shore. Rocks, submerged debris, shallow water: the classic inland waters obstruction mark flags hazards that can ground or hole your boat on an otherwise inviting-looking stretch of water.

These markers are part of the Aids to Navigation (AtoN) system, the waterborne equivalent of road signs. Instead of words, they use colours and patterns to signal where to slow down, which way to pass, and what to avoid. On lakes and rivers across the United States — from a Mississippi River run to a day out on a big reservoir — the vertical black-and-white buoy means one thing: do not pass between it and the shoreline. Cutting inside the mark risks grounding your boat or hitting something hidden, and a collision with a submerged obstruction can cause injuries, not just propeller damage.

A couple of quirks catch people out. The old red-and-white obstruction marks were phased out by 2003, and red-and-white buoys now mean the exact opposite — a safe water mark, with clear water on every side. If your boating knowledge dates back a couple of decades, it's worth a refresher.

Not every black-and-white-looking buoy is an obstruction mark either. The obstruction mark has vertical stripes, with the white bands wider than the black. A white buoy topped with black is a cardinal mark telling you to pass to the north or east; a red-topped one means pass to the south or west. Horizontal red and black stripes signal a localised danger to pass with caution.

The practical move when you spot an obstruction mark is simple: slow down and give it a wide berth on its open-water side. The U.S. Coast Guard's general advice applies everywhere — keep a proper lookout and travel at a speed that lets you adjust course well before you reach other boats, hazards, or buoys.

Why should a holidaymaker care? Because plenty of trips now involve time at the helm, whether it's a rented pontoon on a mountain lake, a houseboat weekend, or a kayak-and-motor combo in one of America's underrated lake towns. Understanding five or six buoy patterns takes minutes and turns you from a hazard into a confident skipper — and keeps your security deposit, and everyone aboard, intact.