there was a discussion on flesh a while back. Let me see if I can find it...,(can't, but will keep looking).
We got rocks, stone, grass and lots more in the tutorial+ section (look under Textures). Water can be accomplished with plugins, or there is a spilled water tutorial: viewtopic.php?p=220244#p220244. Another bit of reading to do with water might be this technique: viewtopic.php?p=113407#p113407