When fall is coming, many fuzzy caterpillars start to show up in the grass and on low trees. A familiar one is the woolly bear caterpillar, which is alleged to foretell the severity of the coming winter. Longer black bands are said to mean a colder winter, while longer orange bands mean a milder winter.
The yellow-spotted tussock moth (Lophocampa maculata) is another fuzzy caterpillar often seen in the fall. It is also a relative of the woolly bear in the Family Erebidae, Subfamily Arctiinae (tiger moths and lichen moths). No word on its meteorological abilities.
Caterpillar decription
The younger Lophocampa maculata caterpillars are orange and without the black ends. When fully grown, it develops a yellow to orange central band, capped by shorter back bands at each end. Some will also have black dots in the yellow band. All the hairs of this fuzzy caterpillar are in clusters called fascicles. The shorter ones that cover most of the body remind me of splayed paint brushes. Tufts of stiff white hairs (“lashes”) poke out from the shorter, denser body hairs of the head and posterior black bands.
Caterpillar variations
Below are some variations of the caterpillar’s coloring on larvae I found just a few miles away from my home. All have spots down the back, and two do not have black anteriors or posteriors. The one on the left is feeding on beaked hazel, the middle one is on tag alder, and the one on the right is feeding on shining willow.
Adult moth description
Adult Lophocampa maculata moths are distinguished by a contrasting pattern of alternating bands of warm, muted golden-orange and darker brown markings with a reddish-orange tinge
Life cycle
After hatching from eggs laid in summer, the Lophocampa maculata caterpillar feeds and grows. Preferred food plants are deciduous tree leaves such as aspen, willow, birch, oak, maple, and apple.
When cold weather seems inevitable, the caterpillar goes into pupation to wait out the winter. The pupa is enclosed in a silken cocoon attached to plant leaves. In my area, between late June and early July, the moths will hatch from their cocoons to fly in search of a mate, beginning the process again.
Similar species
Lophocampa caryae adults are similar to Lophocampa maculata, but the forewing is yellow with brown shading and lacks the yellow band on the terminal ends of the forewing. Their larvae are white with black markings and long hairs. It is found mainly in the northeast. Like Lophocampa maculata, the larvae are polyphagous and feed on leaves of hickory, ash, oak, maple, elm, and other woody plants and vines.
Not Very Far Away 
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