All about Birds says that the Belted Kingfisher is:
A common waterside resident throughout North America, the Belted Kingfisher is often seen hovering before it plunges headfirst into water to catch a fish. It frequently announces its presence by its loud rattling cry.
It breeds along streams, rivers, lakes, and estuaries with banks for nest holes. The breeding distribution of the Belted Kingfisher is limited in some areas by the availability of suitable nesting sites. Human activity, such as road building and digging gravel pits, has created banks where kingfishers can nest and allowed the expansion of the breeding range.
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