Waterloo like many of these rural towns is wide spread, general with well dispersed population. And that usually means that subgroups of the town form into local communities, hamlets and villages as time goes on. Waterloo is no exception.
The active communities in Waterloo are:
part of Border City... hamlet west of town
part of Dobbins Corner... west of town on route 112
part of East Geneva... hamlet on route 20
Packwood Corners... south of town on route 20
Parr Harbor... west of Waterloo on route 20