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Whilst most Scottish/Celtic folklore places Water Horses in a loch (particularly a loch that is famous for a lake monster, such as Loch Ness, Loch Morar and Loch Lomond) some tales of Water Horses place them in the ocean, making them sea monsters as well as lake monsters/loch monsters, though the more prominent habitat for a Water Horse is a loch/lake. It is generally commented that practically every Highland loch had a water horse tradition, but a study of the contemporary literature of the time (mainly 19th century) showed that only about sixty lochs and lochans merited a mention out of the thousands of bodies of water that make up Scotland. Moreover, the water horse that was reputed to inhabit Loch Ness gained the most mentions in Highland literature.

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