Going back to Skuzzy's question: It helps to pinpoint WHICH fan. Many times in the past I've had a loud fan that started failing. I could zero in on which fan by opening the case and listening. If I wasn't sure, I could ever so slightly tap the hub of a fan I suspected and see if the buzzing changed pitch for a moment. If so, I had found the fan.
Some fans are easily replaced if that's the problem.
On the other hand you may have no problem. Your system may simply be idle, thus quiet. Running a demanding game will put your fans on high (sometimes MAX depending on hardware/drivers) to cool it down when under heavy load.
My old video card did that. Sounded like a freaking tornado whenever I ran games. There was software that allowed me to manually specify fan RPM vs GPU temps on a curve, and that helped a lot. On another card I removed the loud fan and put on an aftermarket one (more of an advanced move, don't undertake it too lightly) and that greatly reduced noise even at full load.
So it's best to see if it's a failing fan, or just a fan that's working normally but really fast. The first is fixable. The second is doing it for a reason.
EDIT: Yes I realize I'm somewhat repeating what skuzzy typed. Woops. My intent wasn't to marginalize, but to elaborate.