Woolly bear caterpillar (likely Isabella tiger moth larva)

Fields, gardens, roadsides, and other open areas across North America; often found wandering in fall.

Feeds on many low-growing plants, including grasses, dandelions, and plantain.

A fuzzy, banded caterpillar that curls up when disturbed and overwinters as a larva; it later pupates into an Isabella tiger moth.

Generally harmless, though its bristles may irritate sensitive skin. It is part of the food web and does not typically cause serious plant damage.