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Belted Kingfishers are stocky, large-headed birds with a shaggy crest on the top and back of the head and a straight, thick, pointed bill. Their legs are short and their tails are medium length and square-tipped. These kingfishers are powder blue above with fine, white spotting on the wings and tail. The underparts are white with a broad, blue breast band. Females also have a broad rusty band on their bellies. Juveniles show irregular rusty spotting in the breast band.
Kingfishers live near streams, rivers, ponds, lakes, and estuaries. They nest in burrows that they dig into soft earthen banks, usually adjacent to or directly over water. Kingfishers spend winters in areas where the water doesn’t freeze so that they have continual access to their aquatic foods