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Mouse colored furry caterpillar (Southern flannel moth larva)

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Southern flannel moth larva
by: Moni

Berniece
Tho the Crinkled flannel moth also called the Black-waved Flannel Moth looks much like your photo, I believe your caterpillar is the Southern flannel moth because of the rusty ridge and the fact that this species has the "tail" you described while the black-waved flannel does not. They are both in the same Genus and as you mentioned can cause a painful sting.

Here are photos of the Southern - http://bugguide.net/node/view/4476/bgimage

Here are photos of the black-waved -
http://bugguide.net/node/view/3321/bgimage

Thanks for the great photo and comments!
Crinkled Flannel Moth
by: Berniece

My husband finally found this on another website and it is a Crinkled flannel moth. It does have hairs that can cause severe irritation. We did not touch it with our hands.

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