We have 2-4 out by us all the time.
While out for a swim on Saturday these three came through where I was. They kind of surprised me at first, I stayed pretty still in the water and they just chilled there for awhile. When they dove under I would go under and could see flashes of white...wish I had the GoPro with me...next time! But someone up at the house was able to get this shot of me swimming with the Loons...
Always try to give them their space but they are certainly not skittish birds!
Not sure where their nest is in this area, would like to know so I could help watch over them