I am trying to figure out what this is. These two photos will explain it. This stuff is fairly hard. I broke a stick trying to scrape some off to examine. Those are plants growing in the top of the stump so don't confuse those with the fungi or lichen I am in north Florida and noticed that stuff after a few weeks of rain. The stump is two years old. I thought looking up white fungi or lichen would be easy but have not found any photos of this particular stuff. Only about a hundred others.