There are two requirements for finding kingfishers in winter: open water and an overhanging perch, usually a tree branch. The bird's main diet is small fish retrieved by diving into the water. In warmer weather, crayfish are on the menu.
The Belted Kingfisher, Megaceryle alcyon, appears big-headed, but it's due mostly to feathers that fan into a double crest. The color is bluish-gray like its back, wing tops, and a wide "necklace." In contrast there is a white collar, belly and underwings. Females have an additional tan belly-band and flanks (sides), which might add a touch of camouflage. The kingfisher's bill is heron-like, possibly the result of convergent evolution resulting from the same prey items.
_____________________
Corrections, comments and questions are always welcome at northeastnaturalist@yahoo.com or connect through my Facebook page and photo page. There's also a community-type page for The Northeast Naturalist. Other nature and geology topics can be found on the parallel blogs Adirondack Naturalist and Heading Out.