Unusual Shaped Bee/Wasp Nest
I found this nest under an open structure in my backyard. There appears to be one bee in it and it looks like a bumble bee. I didn't want to kill it until I knew what it is. Any help will be appreciated.
The photo is fuzzy, so we cannot see whether the nest is papery or of mud.
If it is papery, it is a bald-faced hornet nest.http://extension.umd.edu/hgic/bald-faced-hornets
If made of mud, it is a mud dauber nest.http://extension.umd.edu/hgic/insects/predatory-wasps
Both of these are beneficial insects (they feed on pest insects) and should not disturbed if possible. We need them to keep down mosquitoes, etc.