Awesome photo! Rare indeed, can honestly say I have only seen one in my life.
For real? You need to get out more DG!
Lots of them around the middle of the country. We vacation up in Northern MN & WI almost every summer on various lakes and there are quite a few.
Coolest thing I've seen was a huge nest up in a tree and the parent flying around and then going back to the nest. I'm sure getting food for the little guys. I think it was Big Sandy Lake in MN.