Which of the following sets of settlements is influenced by the presence of water body?

The correct answer is: Lagos, Lokoja, and Baga. These three settlements are located close to water bodies. Lagos is a major city situated on the coast of the Atlantic Ocean. Lokoja is located at the confluence of the Niger and Benue Rivers, while Baga is a town on the shores of Lake Chad. The presence of water bodies in these areas has influenced settlement patterns, economic activities, and the livelihoods of the people living there. For example, Lagos has a thriving port and fishing industry, Lokoja is a major transportation hub, and Baga relies on fishing and agriculture. The other options do not have settlements located close to significant water bodies.