Processes of surface and underground water forming in the Khibiny massif have been studied using a physical-chemical model of the "water-rock-atmosphere-organic substance" system. The obtained model solutions are indicative of the fact that formation of surface and underground water of the Khibiny massif takes place on the whole in the framework of the considered system without attracting a hypothetical outside source of pollutants. The results are of practical and methodological importance for assessment of prediction of the man-induced impact on water systems in conditions of Subarctic.