Ashley & I saw this bird yesterday when we were out walking. (Admittedly, the photo leaves a lot to be desired.) We thought it was a Belted Kingfisher but this bird definitely had a rufous belly (not just the flanks). So, it is almost certainly a Ringed Kingfisher - which would be unusual for this area (Kerr County in Central Texas).
The Ringed Kingfisher is the largest kingfisher in the Western Hemisphere. They are normally found in the Rio Grande River valley of Texas.