
Appearance
The larva is black at both ends, with or without a band of coppery red in the middle. The adult moth is dull yellow to orange with a robust, furry thorax and small head. Its wings have sparse black spotting and the proximal segments on its first pair of legs are bright reddish-orange.The setae of the Woolly Bear caterpillar do not inject venom and are not urticant—they do not typically cause irritation, injury, inflammation, or swelling. Handling them is discouraged, however, as the bristles may cause dermatitis in people with sensitive skin. Their main defense mechanism is playing dead if picked up or disturbed.

Behavior
The insect can be found in many cold regions, including the Arctic. The banded Woolly Bear larva emerges from the egg in the fall and overwinters in its caterpillar form, when it literally freezes solid. First its heart stops beating, then its gut freezes, then its blood, followed by the rest of the body. It survives being frozen by producing a cryoprotectant in its tissues. In the spring it thaws out and emerges to pupate. Once it emerges from its pupa as a moth it has only days to find a mate.
Reproduction
In most temperate climates, caterpillars become moths within months of hatching, but in the Arctic the summer period for vegetative growth - and hence feeding - is so short that the Woolly Bear must feed for several summers, freezing again each winter before finally pupating. Some are known to live through as many as 14 winters.
Food
This species is a generalist feeder—it feeds on many different species of plants, especially herbs and forbs.
Cultural
Folklore of the eastern United States and Canada holds that the relative amounts of brown and black on the skin of a Woolly Bear caterpillar are an indication of the severity of the coming winter. It is believed that if a Woolly Bear caterpillar's brown stripe is thick, the winter weather will be mild and if the brown stripe is narrow, the winter will be severe. In reality, hatchlings from the same clutch of eggs can display considerable variation in their color distribution, and the brown band tends to grow with age; if there is any truth to the tale, it is highly speculative.References:
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