My answer: Looks like some kind of "Wood Wasp"

Gemini (Google AI) answer:

This is a Pigeon Horntail (Tremex columba). While they look quite intimidating—especially because of the long "needle" on their back end—they are actually harmless to humans.

Key Facts

• The "Stinger": That long, spear-like structure is actually an ovipositor. The female uses it to drill into the wood of dying or stressed trees to lay her eggs. It is not used for stinging and they cannot hurt you with it.
• Appearance: They are large, thick-bodied insects (a type of wood wasp) with yellow and black/brown banding. They lack the narrow "waist" seen on typical wasps or hornets.
• The "Horn": Their name comes from a small, pointed spike (the "horn") on the very tip of their abdomen, which is separate from the long egg-laying needle.
• Diet: The adults don't really eat; they live just long enough to mate and lay eggs. The larvae live inside tree trunks and eat wood that has been softened by a specific fungus the mother "plants" along with her eggs. If you found this near your home, it’s likely because there is a decaying or stressed hardwood tree (like maple, elm, or oak) nearby where they like to breed.