Wooly Bear (Tiger Moth Caterpillar) & Family
There is the Woolly Worm and there is the Woolly Bugger, but there is also the Woolly Bear. Just as the Woolly Worm and Woolly Bugger are terrestrial so is the Woolly Bear and Family.
Woolly Bear is a Tiger Moth Caterpillar that is found in a wide band across the North American continent, along with its five cousins in the Tiger Moth family "Arctiidae".
Tiger Moth Caterpillars sometimes for whatever reason or circumstance; end up in our lakes, river and streams, the same as all other terrestrials.