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Termites are the American structural pest, and the reason a routine home sale in much of the country involves an insect inspection at all. The species that matter are not interchangeable. University of California IPM identifies the subterranean genera of economic importance as Reticulitermes, Heterotermes and Coptotermes, all of which need contact with soil or a moisture source, while drywood termites nest in wood and, as UC IPM puts it, do not require soil contact. That single difference decides whether the answer is a soil treatment, a bait system, a localized treatment or a whole-structure fumigation.

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Geography decides the rest. Native subterranean termites are distributed across temperate climates, while the invasive Formosan subterranean termite is concentrated in the subtropical Southeast. UF/IFAS reports that it is found in Hawaii and throughout southeastern regions of the continental United States, north along the Atlantic coast up to Virginia, with reports as far inland as Tennessee and in southern California. Florida alone has 20 established termite species, six of them invasive.

And unlike most pest work, termite work in the United States has a paperwork dimension. EPA states that firms offering termite services must be licensed by your state and advises asking to see the license. Lenders add a second layer, and several states prescribe the exact inspection form that has to be used.

Subterranean, Formosan and drywood termites, and where each one lives

There is no single American termite problem. The species under a house in Sacramento, a house in New Orleans and a house in Fort Lauderdale are different insects with different treatments, and a program copied from one region is often useless in another.

  • Native subterranean termites in the genus Reticulitermes, which UC IPM lists among the genera of economic importance and which are distributed across temperate climates, far north of the Sun Belt.
  • Heterotermes and Coptotermes, the other two genera UC IPM identifies as economically important subterranean termites.
  • The Formosan subterranean termite, which UF/IFAS reports in Hawaii and throughout the southeastern United States, north along the Atlantic coast to Virginia, inland as far as Tennessee, and in southern California.
  • Drywood termites, which UC IPM describes as nesting in wood rather than soil and as commonly found along the Pacific coastal region extending into the Central Valley and deserts of Southern California.
  • Dampwood termites, which also nest in wood without soil contact and which signal a chronic moisture defect more than anything else.
  • Florida's unusually crowded picture: UF/IFAS reports 20 termite species established in the state, of which six are invasive, including major structural pest species.
  • Regions with little to no meaningful pressure, where a company selling an annual termite contract should be asked what evidence it has found on your specific property.

Why the Formosan subterranean termite is treated as its own problem

The Formosan subterranean termite is the reason pest control in the Gulf South is run differently from pest control elsewhere. UF/IFAS reports colonies of several million individuals reaching maturity in five to eight years, and notes that soldiers make up 10 to 15 percent of a Formosan colony compared with 1 to 2 percent in native Reticulitermes colonies, which is part of why the species is described as aggressive. Clemson Extension makes the practical point about scale: one Formosan worker does about the same damage as one native subterranean worker, but the far larger colonies mean more insects feeding on a structure at once.

Two Formosan behaviors change how a job is done. The first is the carton nest, which UF/IFAS describes as a blend of soil, wood pulp, termite saliva and termite feces used to fill voids, and which allows a colony to retain moisture away from the ground. The second follows from it: an aerial colony can in principle survive without soil contact, which undermines the assumption behind a soil barrier. Clemson puts the frequency in context, reporting a Charleston study of 50 infested buildings in which 94 percent were infested from ground-based colonies and only 6 percent by aerial colonies. So soil treatment still does most of the work, but a company in the Formosan range should be inspecting for carton material in wall voids and attics rather than assuming the ground is the only route.

Signs of termites, and what each one actually tells you

UC IPM sets out the evidence for subterranean termites: swarms of winged reproductives in the spring, summer or fall, the presence of shelter tubes, and evidence of tunneling in wood. Each sign carries a different amount of information, and confusing them is how people either panic or ignore a real infestation.

  • Shelter tubes, the pencil-width mud tubes running up a foundation wall or pier, which are the clearest evidence of an active subterranean route from soil to wood.
  • A swarm of winged reproductives indoors, which means a mature colony is in or immediately adjacent to the structure rather than somewhere in the yard.
  • Discarded wings on a windowsill or in a sink after a swarm, often the only thing a homeowner notices.
  • Wood that sounds hollow when tapped, or a screwdriver that sinks into what should be solid framing or trim.
  • Small pellets accumulating below wood in drywood termite country, which are the kickout piles a drywood colony ejects from its galleries.
  • Paint or drywall that bubbles or dimples along a line, where galleries have run close to the surface.
  • Sticking doors and windows in a structure with no settlement history, which is worth an inspection rather than a plane and a repaint.

Soil treatment versus bait systems for subterranean termites

EPA describes the two main approaches without ranking them. It states that the most common technique for treating termite infestations is the soil-applied barrier treatment, and separately that several bait systems have been introduced to help reduce the overall use of insecticides and their impact. UC IPM describes the liquid side in more detail, noting that liquid applications of pesticides are most often used for subterranean termite control and are applied to the soil either in drenches or by injection, and listing nonrepellent active ingredients including chlorantraniliprole, fipronil and imidacloprid.

Baits work on a different principle. UC IPM describes subterranean termite baits as slow-acting insecticides consumed during feeding and shared within the colony, using insect growth regulators with low human toxicity, and notes that they require professional application for optimal effectiveness. In practice the choice usually comes down to the site rather than to a preference: a slab with plumbing penetrations, a finished basement, a high water table, a well close to the house or a structure that cannot be trenched all push toward baits, while a straightforward crawlspace or an accessible foundation perimeter suits a soil treatment. Baits also take time, because the colony has to find and share them, so a bait program is a monitoring relationship rather than a single visit.

EPA also flags the risk that makes the soil route worth doing carefully. It warns that many termiticides are highly toxic, making it critical to follow label directions with added care, and that improper application of a soil barrier can cause contamination of the home and surrounding drinking water wells. If your water comes from a well, say so before anyone trenches, and ask how the applicator plans to protect it.

What a termite inspection and treatment actually involve

UC IPM states the starting point clearly: an inspection by a licensed pest management professional is required before any treatments can be performed, and it notes that the evidence often sits in hard-to-access areas such as crawlspaces and attics. A proposal written without someone having been in those spaces is not an inspection result.

  • A full inspection including the crawlspace or slab perimeter, the attic, the garage, exterior trim and any wood in soil contact such as fence posts, deck piers and porch columns.
  • Species identification, which decides whether the answer is a soil treatment, a bait system, a localized drywood treatment or whole-structure fumigation.
  • A diagram or written report showing where activity and damage were found, not just a conclusion that termites are present.
  • A moisture and conducive-conditions list: earth-to-wood contact, mulch against siding, leaking hose bibs, blocked crawlspace vents and downspouts that discharge at the foundation.
  • A treatment specification naming the method, the product, the areas to be treated and, for a soil treatment, where trenching and drilling will occur.
  • For baits, the station layout, the monitoring interval and who is responsible for reading the stations over the life of the agreement.
  • A written warranty or service agreement that says whether it covers retreatment only or also damage repair, what voids it, and what happens when the house is sold.

Drywood termites, fumigation and the limits of spot treatment

Drywood termites break the soil-treatment logic entirely, because the colony lives inside the wood and never goes to the ground. UC IPM describes the whole-structure options and is precise about what they achieve. Sulfuryl fluoride fumigation treats all infestations simultaneously and has high levels of efficacy if correctly applied, killing drywood termites within several days. Whole-structure heat is the nonchemical alternative, and UC IPM specifies heating all wood in the structure to a minimum of 120 degrees Fahrenheit and holding that temperature for at least 33 minutes.

Localized and spot treatments are cheaper and correspondingly narrower. UC IPM notes their efficacy is highest if the infestation is accessible and exposed and detection equipment is used, and that effectiveness varies significantly depending on properly locating colonies and achieving direct contact with the termites. That is the honest trade: a spot treatment addresses the gallery someone found, and says nothing about the two nobody did. Where a structure has multiple or unlocatable infestations, a whole-structure treatment is the option that matches the problem.

Fumigation is also the part of this trade that is separately licensed. California's Structural Pest Control Board defines Branch 1 as the practice relating to the control of household and wood-destroying pests or organisms by fumigation with poisonous or lethal gases, and Branch 3 as the practice relating to the control of wood-destroying pests or organisms by the use of insecticides or structural repairs and corrections, excluding fumigation. A Branch 3 company is not by that credential a fumigation company, and it is fair to ask which branch will be doing which part.

The wood destroying insect report that lenders and states require

This is the piece with no real equivalent outside the United States. In much of the country a home sale triggers a wood destroying insect inspection because the lender requires it. The Department of Veterans Affairs publishes a list of local requirements for its appraisals, and states on that page that only states requiring a wood-destroying insect inspection are included, and that if a state is not listed then a wood-destroying insect inspection is not required unless specific issues are noted in the VA appraisal report. The list covers whole states, including Alabama, Florida, Georgia, Texas and Virginia among others, while several other states require it only in named counties. VA also points readers to Chapter 12 of its Lenders Handbook for the underlying requirements.

Some states then dictate the form itself. The Texas Department of Agriculture publishes the Official Texas Wood Destroying Insect Report and states that the form is a prescribed form and no revisions or omissions are allowed, and its Structural Pest Control Service licenses and regulates the pest management professionals who apply pesticides in and around structures. California runs a public record of its reports: the Structural Pest Control Board maintains a Wood Destroying Organism System that lets anyone search whether a specific property has been inspected within the last two years, with copies of the reports available by written request to the board. If you are buying a house in California, that search is a free way to see whether a report already exists before you commission one.

Two practical habits follow. Ask early whether your loan program requires an inspection in your state, because it changes the closing timeline. And where a state runs a report database, search the address before you accept a report handed to you by a party with an interest in the sale.

Termite work is licensed state by state, with its own category

EPA's instruction to homeowners is short and worth following literally: firms offering termite services must be licensed by your state, and you should ask to see the company's license. There is no national termite license, and the credential that matters is the one issued where the house is.

The categories are specific enough to be worth naming. Texas lists termite control as its own license category, defined as the inspection and control of termites, beetles or other wood destroying organisms, and requires licensing of businesses and individuals that perform structural pest control for hire under the Structural Pest Control Act. California separates the work into Branch 3, wood destroying organisms, for control by insecticides or structural repairs and corrections, and Branch 1, fumigation, for control by poisonous or lethal gases. Because termite proposals often include structural repairs as well as chemical treatment, ask which parts of the scope the company is licensed to perform and which it will subcontract, and verify the license with the board rather than with the salesperson.

What moves a termite quote, and how LokalMatch fits in

Termite quotes vary more than almost any other pest work because the methods themselves are so different. The variables are the species and therefore the method, the linear footage of foundation to be trenched or the number of bait stations to be installed, whether the slab has to be drilled and patched, whether a crawlspace is accessible or has to be worked in on hands and knees, how much conducive moisture correction is included, whether damaged framing needs structural repair and by whom, whether the job is a localized drywood treatment or a whole-structure fumigation or heat treatment requiring the household to move out, and what the ongoing service agreement covers and for how long. Ask for the method, the product and the warranty terms in writing, because a retreatment-only warranty and a repair warranty are not the same product.

LokalMatch is where you start looking. You describe the property once: where you are, what you have seen, whether the house is on a slab, a crawlspace or a basement, and whether this is a sale-driven inspection or a live infestation. Termite and pest control companies covering your area receive the request, and the ones interested contact you. Pros pay for the requests they receive, and homeowners use the service free of charge. LokalMatch does not inspect or treat for termites, does not issue reports, does not set prices, and does not vet, rank or recommend any company, so verifying the state license and category, the insurance and the terms of any warranty is your responsibility.

Termites: frequently asked questions

How do I know whether I have subterranean or drywood termites?

The evidence differs. UC IPM lists shelter tubes, swarms of winged reproductives and tunneling in wood as signs of subterranean termites, which need soil or a moisture source. Drywood termites nest in wood and do not require soil contact, and typically leave pellets kicked out of galleries. UC IPM also states that an inspection by a licensed pest management professional is required before any treatment can be performed.

Is a bait system better than a liquid soil treatment?

Neither is universally better, and the site usually decides. EPA notes that the soil-applied barrier treatment is the most common technique and that bait systems were introduced to help reduce overall insecticide use and impact. UC IPM describes baits as slow-acting insecticides shared within the colony that require professional application for optimal effectiveness. Slabs, finished basements, nearby wells and untrenchable perimeters tend to push toward baits.

Why do lenders ask for a termite inspection?

Because the loan program requires it in that state. The Department of Veterans Affairs publishes local appraisal requirements and states that only states requiring a wood-destroying insect inspection are listed, and that if a state is not listed the inspection is not required unless specific issues are noted in the appraisal report. Whole states including Alabama, Florida, Georgia, Texas and Virginia appear on that list; other states require it only in certain counties.

What is special about Formosan termites?

Scale and behavior. UF/IFAS reports Formosan colonies of several million individuals maturing in five to eight years, with soldiers at 10 to 15 percent of the colony against 1 to 2 percent in native Reticulitermes. They also build carton nests from soil, wood pulp, saliva and feces in voids. Clemson found in a Charleston study of 50 infested buildings that 94 percent were infested from ground-based colonies and 6 percent from aerial ones.

Does fumigation have to mean leaving the house?

For a whole-structure treatment, yes. UC IPM notes that sulfuryl fluoride fumigation treats all infestations simultaneously with high efficacy if correctly applied and kills drywood termites within several days, and describes whole-structure heat as heating all wood to a minimum of 120 degrees Fahrenheit held for at least 33 minutes. California licenses fumigation separately as Branch 1, so ask who is performing that part.

Can I just have the one spot treated?

Sometimes, with a stated limitation. UC IPM says localized and spot treatments have the highest efficacy when the infestation is accessible and exposed and detection equipment is used, and that effectiveness varies significantly based on properly locating colonies and achieving direct contact with the termites. A spot treatment addresses what was found and makes no claim about galleries nobody located.

Can I find out if my house has been inspected before?

In some states, yes. California's Structural Pest Control Board runs a Wood Destroying Organism System that lets you search whether a specific property has been inspected within the last two years, and copies of the inspection reports can be requested from the board in writing. That is a useful check before buying, especially when the report you have been shown came from a party with an interest in the sale.

Does a termite warranty cover the damage or just another treatment?

Read it, because both kinds exist and they are priced differently. A retreatment warranty obliges the company to treat again if activity returns; a repair warranty also covers repairing new damage, usually with conditions, exclusions and required annual inspections. Ask what voids it, whether it transfers when you sell, and what happens to it if you have other work done on the foundation or landscaping.

Sources

  1. EPA: Termites - How to Identify and Control Them
  2. UC IPM Pest Notes: Subterranean and Other Termites
  3. UC IPM Pest Notes: Drywood Termites
  4. UF/IFAS Featured Creatures: Formosan Subterranean Termite
  5. UF/IFAS ENY-2079: Termite Species Distribution in Florida
  6. Clemson Cooperative Extension: Formosan Subterranean Termites
  7. US Department of Veterans Affairs: Local Requirements for Appraisals
  8. Texas Department of Agriculture: Structural Pest Control Service
  9. Texas Department of Agriculture: Structural Pest Control Licensing
  10. California Structural Pest Control Board: The Three Branches of Structural Pest Control
  11. California Structural Pest Control Board: How Do I Search for Termite Inspection Information?

Written by the LokalMatch editorial team. Last reviewed September 21, 2026. How we write and check our guides

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What affects the cost of termite control

Prices depend on the details of your project. We only publish price ranges when they’re backed by real LokalMatch quote data or reliable sources. Until then, here’s what usually changes the price:

  • Type of pest or animal
  • How widespread the problem is
  • Size of the home and number of units affected
  • Treatment method
  • Number of follow-up visits
  • Exclusion work, such as sealing gaps or installing barriers

How to compare exterminators before you hire

  • Choose a company that inspects first and identifies the pest before recommending treatment.
  • Ask whether they are licensed to apply pest control products in your area.
  • For wildlife like raccoons, squirrels or birds, look for a company that uses humane removal and seals entry points.
  • Ask how they'll keep children, pets and food safe during and after treatment.
  • Get the treatment plan in writing, including follow-up visits and what happens if the problem comes back.

Questions to ask exterminators before you hire

  • What pest do you think this is, and how did you identify it?
  • Are you licensed to apply pest control products in my area?
  • What products or methods will you use, and are they safe around children and pets?
  • How do I need to prepare my home before treatment?
  • How many visits are included, and what happens if the problem comes back?
  • Will you seal entry points so the problem doesn't return?

When to call a pro for termite control

  • Droppings, gnaw marks or scratching noises in walls or the attic
  • Bites or small blood spots on bedding that could point to bed bugs
  • A wasp or hornet nest near a door, deck or play area
  • An animal living in the attic, chimney or under a deck

Termite control permits and local rules

Some termite control work needs a permit or has to meet local bylaws. Rules vary by municipality, so ask your pro whether a permit is needed and who will apply for it — and check with your city or town if you’re unsure.

Permits and licensing

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