We used to see them in the fall in Michigan. One year when my youngest DS was little, he came to me with one on his arm and wanted me to take care of it. I told him it was ok because it was a caterpillar and it wouldn't hurt him. Well, I was so wrong because as soon as I told him that, it bit him. Needless to say that shook my DS faith in my judgment. I had never heard of such a thing happening. Now that my DH and I live in Florida, we never see the wooly creatures.