Not necessarily; however, an N95 mask offers more comprehensive protection – whether the situation requires it or not.
An N95 mask filters out at least 95% of all airborne particulates that are .03 microns or larger. Meaning, it protects against harmful dust, fog, smoke, mist, gases, vapors, sprays, and pathogens such as flu viruses.
A face mask (also called a surgical or procedural mask) protects the wearer from airborne bacteria and larger particulate matter such as dust and smoke. It also protects others from "catching" the wearer's oral and nasal bacteria. However face masks do not protect the wearer from airborne pathogens or harmful mist, gases, vapors or sprays.