Colorado

 Anonyme, New York, Harper’s Young People, vol. 2, Harpers & Brothers, 1881, p. 15.

Ernst H.- Your insect from Colorado answers the description of the caddis-worm. This worm which is a soft, white creature, lives under water in a movable house whicht it makes for itself out of bits of stone, pieces of shell, and grains of sand. It feeds on minute particles of water refuse. When its life as a worm is ended it forms a chrysalis, from which issues a fly with hairy wings called the caddis fly, of which there are many species.

The caddis-worms is much used as bait by fishermen.