In a small bowl add sour cream and chipotle and mix until combined. Cover with saran wrap and refrigerate until ready to use.
Preheat a pan on medium high heat, add ground beef and cook until brown. Drain fat and add onions, garlic and jalapeno cook another minute then add taco seasoning and water according to pkg directions. Simmer 5 minutes. Add black beans and mix until combined.
Cut zucchini in half, lengthwise. Using a melon baller or spoon scoop out the seeded center of the zucchini.
Using a potato peeler peel one strip off the bottom of the zucchini. This just helps keep it from tipping over after being stuffed.
Preheat oven to 350 degrees
Fill the zucchini with the ground beef mixture. Bake for 20 minutes . Top each zucchini with cheese and bake until melted. Remove from oven and top with toppings.