(Someone spotted a large number of these insects in their yard on Oct 30, 2013 in Toledo. This is my comment at ToledoTalk.com.)
Count the spots on the shell, but when you encounter that many, it's probably the Asian Multicolored Lady Beetle, which is obviously a non-native insect.
The Asian Multicolored Lady Beetle was a lot more numerous around our home about 10 years ago. I saw one yesterday in our garden, but I see them infrequently in our yard. I believe this insect moved up from the southern states, and I think their numbers vary with the harshness of the winter. A couple cold winters may knock back their numbers. And the rascals do bite. It's an annoying little pinprick feeling.
The Asian Multicolored Lady Beetle (Harmonia axyridis) is an arboreal (tree-dwelling) aphid predator, coveted as a biological control in pecan and apple orchards. It was repeatedly introduced by the U.S. Department of Agriculture to California in 1916, 1964, and 1965, and to various eastern states between 1978 and 1982.
Finally, an accidental introduction took hold near New Orleans in 1988. Today it is abundant north to Quebec and west to Texas and Missouri, with scattered occurrences elsewhere.
In agricultural systems, this species may be displacing native lady beetles. They hibernate en masse, frequently selecting manmade structures in which to cluster.
Their occupation results in a permeating odor, and the beetles bite on occasion. These habits have turned them into a "nuisance pest" on the order of Box Elder Bugs.
Backyard Tall Coreopsis flowers - 2013 - Jan 15, 2014
Backyard photos - Jun 21, 2014 - Jun 21, 2014
First butterfly of the season - Mar 31, 2013
May 3, 2014 notes about our backyard Hermit Thrush - May 27, 2014
Cicada wing - Jul 07, 2014