Termite Infestation Probability Map For The USA, Australia — The World

Termite Infestation Probability Map

The following contains a series of 3 maps highlighting which parts of the country and world are likely to have the worst termite problems. It should give you a good idea of how often and severe your termite infestation will become. To start off we’ll examine the USA.

Termite Infestation Probability Map USA

Termite Infestation Probability Map USA

The South-Eastern States, California and Hawaii are areas in which termites are very problematic. People living in these locations must be very vigilant as failure to do so in can result in severe damage to houses and property.

Those living in the Central and North-Eastern part of the United States are also at High-Risk. Whilst the problems in these areas may not come as frequently as in the high risk areas, it is still important to implement strong anti-termite measures.

Areas of moderate risk include those living mainly living in the north-western part of the USA whereas those at low risk include people living on the central northern border next to Canada. These areas still have the possibility of termite infestations but the chances of this occurring are much less likely.

The list below will show you the level of termite risk for each state.

Termite Risk Levels By State

Very High Risk:
-California
-Eastern Texas
-Louisiana
-Mississippi
-Alabama
-Georgia
-Florida
-South Carolina

High Risk:
-Nevada
-Arizona
-Utah
-Colorado
-New Mexico
-Western Texas
-Oklahoma
-Kansas
-Missouri
-Iowa
-Illinois
-Indiana
-Kentucky
-Tennessee
-Ohio

High Risk:
-North Carolina
-West Virginia
-Virginia
-Pennsylvania
-New York State
-Maine
-Washington D.C.
-Maryland
-Delaware
-New Jersey
-Connecticut
-Rhode Island
-Massachusetts
-Vermont
-New Hampshire

Moderate Risk:
-Oregon
-Washington
-Idaho
-Nebraska

Low Risk:
-Montana
-Wyoming
-North Dakota
-South Dakota
-Minnesota
-Wisconsin
-Michigan
-Alaska
-Hawaii

Termite Infestation Probability Map Australia

Termite Infestation Probability Map Australia

The central and south-eastern parts of Australia tend to have the lowest risk of termite problems. However, the majority of the country is at high to very high risk of termite infestations. Those living in Tasmania need not worry about Termite problems but the rest of the country must keep a watchful eye of their home and property.

Termite Infestation Probability World Map

Termite Infestation Probability World Map

Those of you living outside the United States and Australia can view this map to see if your country or area is at risk from termite problems. Anywhere in red has the potential for termite problems.

www.ultimatetermitecontrol.com

VA Home Loans

Local Requirements

To be considered prior to issuance of the VA Notice of Value

IMPORTANT:

  1. Each State is listed alphabetically, with the VA Regional Loan Center (RLC) of jurisdiction.
  2. A VA Regional Loan Center’s local requirements pertain only to properties within the particular state in that RLC’s jurisdiction. The primary source of information about VA nationwide requirements is the VA Lender’s Handbook. local requirements supplement those in the Handbook.
  3. Unless otherwise noted, wood-destroying insect information is required per Section 13.06 of the Lender’s Handbook. Regardless of the location of the property, an inspection is always required if the appraisal report indicates evidence of wood-destroying insect damage or an active insect infestation.
  4. VA offices may instruct fee appraisers to list, when applicable, other local requirements as conditions on appraisal reports. Contact the fee appraiser or VA office if there is a question about an appraisal report condition.

New and or proposed manufactured housing must be installed by a licensed installer.

The Fairhope Single Tax District leasehold has been accepted by VA. Lenders must ensure that the remaining term of the lease exceeds the term of the new loan by at least 14 years.

  1. Upon transfer of an ownership interest, every Alaska property with an individual water sewage disposal system requires evidence from the local Health Authority (or other source authorized by VA) that the septic system is acceptable.
  2. The VA notice of value for every «Energy Rated Home» with a value adjustment for a «Five Star» or «Five Star+» rating must state, «Lender to provide evidence of Five Star or Five Star+ energy rating.»
  3. Property located in either a Red or Blue avalanche zone is not eligible to be the security for a VA-guaranteed loan.
  4. Wood-destroying insect information is not generally required.

For properties listed on a master appraisal, the combined value of the optional items selected by a veteran purchaser can not exceed 15 percent of the reasonable value assigned for the base plan type (exclusive of any lot premium).

Wood-destroying insect information is required for all properties in the following states: Texas, Oklahoma, Arkansas, and Louisiana.

For properties listed on a master appraisal, the combined value of the optional items selected by a veteran purchaser can not exceed 15 percent of the reasonable value assigned for the base plan type (exclusive of any lot premium).

For Colorado properties to be covered by a ten-year insured protection plan, the warranty must also cover the basement slab for the first through the fourth year.

See also:  Simparica (sarolaner) Chewables for Animal Use

VA does not require Wood Destroying Insect Information on properties in the State of Colorado unless the VA appraisal indicates Wood Destroying Insect infestation or a condition conducive to infestation.

In Connecticut, as of October 1, 2014, VA will no longer need shared maintenance agreements for shared private roads or driveways because, under Connecticut Public Act No. 14-67, Section 1(b), the owner of any residential real property that benefits from an easement or right-of-way, the purpose of which is to provide access to such residential real property, shall be responsible for the cost of maintaining such easement or right-of-way in good repair and the cost of repairing or restoring any damaged portion of such easement or right-of-way. Such maintenance shall include, but not be limited to, the removal of snow from such easement or right-of-way.

No local requirements.

DISTRICT OF COLUMBIA — Roanoke Regional Loan Center

No local requirements.

  1. A heating system is not required in the following south Florida counties: Broward, Charlotte, Collier, Dade, Glades, Hendry, Lee, Martin, Monroe and Palm Beach.
  2. New and or proposed manufactured housing must be installed by a licensed installer.
  3. The following leaseholds have been accepted by VA. Lenders must ensure that the remaining term of the lease exceeds the term of the new loan by at least 14 years:
    • Okaloosa Island
    • Proud Ground Pinellas
    • Santa Rosa Island

No local requirements.

Wood Destroying Insects – Wood Destroying Insect Inspections are required on all existing residential properties, including condominium projects that are 5 stories or less in height, due to the high probability of termite infestation in the area. The State of Hawaii mandates that Wood Destroying Insect Inspections be reported on a State Prescribed PC-9 Form which is valid for 15 days. For the purposes of closing the loan, the VA considers the Wood Destroying Insect Inspection and the PC-9 Form to be valid for 90 days. This 90 validity period only applies to closing a loan for VA Lending Purposes; it does not extend the warranty that the property is free from wood destroying insects to 90 days.

Heating Systems — Hawaii is a tropical climate and heating and/or cooling systems are not required to meet VA minimum Property Requirements for VA Lending purposes.

Leasehold Estates — A copy of the lease must accompany the appraisal request. The terms of the lease must be approved by the VACO/NPG prior to commencement of the appraisal assignment. The total Lease Term must exceed the Mortgage Term by 14 years and the Mortgage Term must not exceed the Fixed Rent Period of the Lease.

Water Catchment Systems — Please refer to VBA Circular 26-14-4, dated 2/19/2014, and renewed by VBA Circular 26-14-4 Change 1, dated 1/8/2016, Clarification of the Department of Veterans Affairs (VA) Acceptance of Water Catchment Systems in the State of Hawaii. The Circular may be found at: https://benefits.va.gov/homeloans/documents/circulars/26_14_4.pdf

Cesspools – Existing cesspools may be acceptable for VA Lending Purposes if the following conditions are met:

  1. Lender must verify with the State of Hawaii, Department of Health, Wastewater Branch that the cesspool was properly permitted when installed. The Wastewater Branch keeps and can provide a copy of the Cesspool Registration Card. This Card must be kept in the Lender’s loan file.
  1. The cesspool must be tested/recertified in the following circumstances:
    1. There has been an enforcement action due to a failure of the system.
    2. The Appraiser notes obvious signs of failure of the cesspool during the inspection of the subject property.
    3. There has been significant building modification (additions to the home, not remodeling) that increases either the living area or number of fixtures disposing waste water into the cesspool.
    4. The cesspool is located in the groundwater table.
  1. If one or more of the conditions listed under Item #2 apply, Lenders are responsible to order cesspool testing by a specialist acceptable to the Department of Health.
    1. Should the cesspool require testing, the NOV must be conditioned in Block 5. WATER/SEWAGE SYSTEM ACCEPTABILITY: Evidence from the local health authority or other source authorized by VA that the individual ___ water supply, _X_ sewage disposal system(s) is/are acceptable.

Lava Zones – The VA will accept properties located within Lava Zone 1 and Lava Zone 2 for VA Lending purposes. A Lava Insurance Policy, with coverage for at least the amount of the loan, is required for all properties located within Lava Zone 1 and Lava Zone 2.

  1. All community water systems in Idaho must be currently approved by both the Idaho Department of Environmental Quality and the local health authority.
  2. Every Idaho property in the Spokane/Rathdrum Prairie Single Source Aquifer (essentially Kootenai County) with an individual sewage disposal system requires evidence from the local health authority that the system is acceptable.

No local requirements.

No local requirements.

No local requirements.

No local requirements.

No local requirements.

Wood-destroying insect information is required for all properties in the following states: Texas, Oklahoma, Arkansas, and Louisiana.

Wood-destroying insect information is not generally required.

No local requirements.

Every Massachusetts property with an individual sewage disposal system requires evidence from the local health authority (or other source authorized by VA) that the system meets the Massachusetts Department of Environmental Protection (DEP) Title 5 standards.

  1. Wood-destroying insect information is required for all properties in the following Michigan counties: Allegan, Barry, Berrien, Branch, Calhoun, Cass, Hillsdale, Ionia, Jackson, Kalamazoo, Kent, Lenawee, Livingston, Macomb, Mason, Monroe, Muskegon, Oakland, Oceana, Ottawa, St. Clair, St. Joseph, VanBuren, Washtenaw and Wayne.
  2. A copy of the builder’s license is required for all Michigan properties appraised as either proposed or under construction or new construction.
See also:  Frontiers, Oviposition Preference of Pea Weevil, Bruchus pisorum L

Wood-destroying insect information is not generally required.

New and or proposed manufactured housing must be installed by a licensed installer.

The following leaseholds have been accepted by VA. Lenders must ensure that the remaining term of the lease exceeds the term of the new loan by at least 14 years:

  • Pearl River Valley Water Supply District
  • Sixteenth Section School Board Leases

No local requirements.

Wood-destroying insect information is not generally required.

  1. Wood-destroying insect information is required for all Nebraska properties.
  2. Notices of Value for properties in the Eastern Omaha, Nebraska area, identified by the fee appraiser under the comment section describing environmental conditions of the URAR stating: «The Home may be located in a superfund area. The U.S. Environmental Protection Agency (EPA) will/has evaluate(d) this site for lead soil contamination. For more information call the EPA at (800) 223-0425» must be conditioned for written veteran acknowledgment that the property may be subject to lead contamination as determined by the Environmental Protection Agency (EPA).

For properties listed on a master appraisal, the combined value of the optional items selected by a veteran purchaser can not exceed 15 percent of the reasonable value assigned for the base plan type (exclusive of any lot premium).

In New Hampshire, as of August 2 , 2019, VA will no longer need shared maintenance agreements for shared private roads or driveways because, under New Hampshire Law , Section 231:81-a (I, II, III)) In the absence of an express agreement or requirement governing maintenance of a private road, when more than one residential owner enjoys a common benefit from a private road, each residential owner shall contribute equitably to the reasonable cost of maintaining the private road, and shall have the right to bring a civil action to enforce the requirement of this paragraph. This paragraph shall not apply to any highway defined in RSA 229:5.

Wood-destroying insect information is required only for the southern New Hampshire counties of Cheshire, Sullivan, Merrimack, Rockingham, Belknap, Hillsborough and Strafford.

  1. For all properties appraised as either proposed or under construction or new construction, the builder must provide the purchaser with an approved Home Owners Warranty policy, available through the New Jersey home insurance program.
  2. Every New Jersey property with an individual sewage disposal system requires evidence from the local health authority (or other source authorized by VA) that the system is acceptable.
  3. All condominium projects must be registered with the State of New Jersey Real Estate Development Department, which will provide a case number and a written notice of project approval.

No local requirements.

Wood-destroying insect information is required for all properties in the following New York counties: Bronx, Broome, Columbia, Delaware, Dutchess, Greene, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster and Westchester.

No local requirements.

Wood-destroying insect information is not generally required.

No local requirements.

Wood-destroying insect information is required for all properties in the following states: Texas, Oklahoma, Arkansas, and Louisiana.

No local requirements.

  1. Springs or cisterns are not an acceptable water supply. A dug well is acceptable only in Erie County along the Lake Erie coast.
  2. Mine subsidence insurance is required in active mining areas and in areas with known subsidence problems from previous mining.

Wood-destroying insect information is required if any part of the property (including carport, terraces, etc.) is (or will be) constructed of wood not pressure treated in conformance with American Wood Preservers Institute (A.W.P.I) standards.

Solar Water Heaters — The back-up requirement for Solar Water Heaters is no longer required to meet VA Minimum Property Requirements for VA lending purposes. Puerto Rico is a tropical climate, and removing the back-up requirement changes the VA Local requirements to be more in line with the local Puerto Rico building requirements.

No local requirements.

No local requirements.

No local requirements.

No local requirements.

Every property having an individual sewage disposal system in the Houston RLC jurisdiction which has a Loan Identification Number or VA Case Number containing the digits: «62-62-6» requires evidence from the local health authority that the system is acceptable. If the local authority will not provide that evidence, then any qualified party of the lender’s choice may inspect the system.

Wood-destroying insect information is required for all properties in the following states: Texas, Oklahoma, Arkansas, and Louisiana.

Wood-destroying insect information is required for all Utah properties.

Under Title 19, V.S.A. Chapter 27 §§ 2701 and 2702, in the absence of an express agreement or requirement governing maintenance of a private road, when more than one person enjoys a common benefit from a private road, each person shall contribute rateably to the cost of maintaining the private road, and shall have the right to bring a civil action to enforce the requirement of this section.

As a result, in Vermont, VA does not have to obtain private agreements for maintenance of private roads because as indicated above, each person who benefit from private roads must rateably contribute to the maintenance of the road.

Wood-destroying insect information is required only in the southern Vermont counties of Bennington and Windham.

No local requirements.

  1. For manufactured homes in the State to be considered real property, title as a Manufactured/Mobile home must be eliminated.
  2. All additions, modifications or attachments to a manufactured home, including roof replacement, must be inspected and approved by the Washington State Department of Labor and Industries.
  3. Although wood-destroying insect information is not generally required, when an inspection is necessary the State requires that it identify rot and conditions conducive to rot. For that reason, either the Washington State Pest Association form must be used or an appropriate attachment made to the NPMA — 33 form.
See also:  ORCHID PEDUNCLE: HOW IT APPEARS AND HOW IT LOOKS, HOW IT GROWS, WHETHER IT IS NECESSARY TO PRUNE AFTER FLOWERING, FLOWER SPROUT REPRODUCTION, PHOTO

No local requirements.

Wood-destroying insect information is required in the following counties:

  • Columbia
  • Crawford
  • Dane
  • Dodge
  • Grant
  • Green
  • Iowa
  • Jefferson
  • Kenosha
  • Lafayette
  • Milwaukee
  • Ozaukee
  • Racine
  • Richland
  • Rock
  • Sauk
  • Vernon
  • Walworth
  • Washington
  • Waukesha

www.benefits.va.gov

Termite infestation probability map ny

Do I need a termite inspection for a VA loan?

Monday, August 26, 2019

The Department of Veterans Affairs (VA) requires a termite inspection for existing properties if they are located in an area where the probability of termite infestation is «very heavy» or «moderate to heavy,» based on the Termite Infestation Probability (TIP) Map. This means only the northermost part of the U.S. is exempt according to the zones on the TIP Map. See our blog post What is a TIP Zone Map? for more on this.

A termite inspection is officially called a WDO inspection, an acronym for Wood Destroying Organism, because the inspector also looks for signs of wood-decaying fungi (wood rot) and wood boring beetles.

To learn more about termites, see these other blog posts:

• How long before closing can you have a WDO (termite) inspection done?

• When do termites swarm in Florida?

• What is the difference between a subterranean termite and a drywood termite?

• I think I have termites. What does a termite look like?

Visit our TERMITES, WOOD ROT AND PESTS page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.

How To Look At A House

McGarry and Madsen’s home inspection blog for buyers of

site-built, mobile/manfuactured and modular homes

www.howtolookatahouse.com

VA Loan Rules for Termite Inspections

Start your VA loan

Termites and what the VA labels «wood-destroying pests» can be a serious problem for homeowners, buyers and sellers. House hunters often worry about the condition of older homes when it comes to these pests, and in some cases rightfully so.

To the untrained observer, termite infestations are very difficult to spot unless there is obvious damage. Fortunately, VA loan rules are designed to protect the buyer and the property the VA borrower wants to purchase.

Do I have to get a pest inspection with a VA loan?

According to the Department of Veterans Affairs, «Termite inspections are required on existing properties if they are located in an area where the probability of termite infestation is ‘very heavy’ or ‘moderate to heavy’ according to the Termite Infestation Probability Map published in the International Residential Code.»

Use the Termite Infestation Probability Map or check with a lender or your VA Regional Loan Center to see if a pest inspection is required where you plan to purchase a home.

If a borrower wants to buy a home in a region where termite problems are considered light or where such problems rarely occur, there is no requirement to have a termite inspection performed. Borrowers concerned about the home they want to buy would have to schedule a home inspection, or contact the VA for assistance.

When there is evidence of an actual problem, the VA rules state, «If there is a question about the location of an infestation probability boundary line in relation to the subject property, contact the Construction and Valuation Section at the VA Regional Loan Center of jurisdiction to determine if this requirement is applicable.»

Don’t Sweat the Small Stuff

Who pays for the termite inspection on a VA loan?

VA borrowers will often have to provide an invoice for the termite inspection to their lender. VA loan rules state that borrowers are not allowed to pay the pest inspection on a home purchase in all but nine states:

  • Alabama
  • Arkansas
  • Arizona
  • California
  • Florida
  • Louisiana
  • Mississippi
  • Oklahoma
  • Texas

VA borrowers can pay this fee on any VA refinance loan type.

Termite Inspections for Condos

VA loan rules for termite inspections are different for condo projects. According to the VA, «A wood destroying insect inspection is required in low-rise and high-rise units only when the fee appraiser observes a potential problem.»

There are some situations that allow the termite inspection to be waived in second-story or higher condo units. Before starting your house hunt, speak with your nearest VA Regional Loan Center to learn if your area requires termite inspections.

On a VA purchase loan, borrowers in all but nine states are not allowed to pay the pest inspection fee. VA borrowers can pay this fee on any VA refinance loan.

Related articles

VA loans to individual borrowers are simpler than the requirements for VA loans to two or more borrowers. Read here about the different rules for borrowers.

One common question about VA loan approval is whether the age of the home matters or not. Does the VA have standards about how old .

If you’re interested in buying a particular home with a VA-insured loan, that property must meet a set of minimum standards, called VA Minimum Property .

www.valoans.com

Share:
No comments

Добавить комментарий

Your e-mail will not be published. All fields are required.

×
Recommend
Adblock
detector