Belted Kingfishers dig into the banks of a creek, river, lake, pond or gravel pit to make their nests. The birds first use their bills to chip away at an exposed bank, then they kick loose material out of the tunnel with their feet. The nest burrow is usually between 3-7 feet long and is not lined with any nesting material.
Between 5-8 white eggs are laid in the nest. Incubation takes 23-24 days, and the young fledge about 23 days after hatching. Typically, the male parent devotes more time than female to nest building, incubation and parental care.