Don't try encounters that are located near water. There is no footlockers on those kind urban encounters!
You mean like near San Fran?
I was just going to say how good San Fran is for lockers.
I've found 1 locker per 2 or 3 encounters, and the encounters aren't very difficult. Usually 2 rival groups that kill each other, so you can either kill steal them, or take out the last man/men standing and loot the corpses before moving on to the locker.