Termite Trouble: Why Knowing When They Swarm in Florida Matters for Homebuyers

We’ve seen firsthand how quickly termites can turn a dream home into a financial nightmare—especially for buyers in Florida. The state’s warm, humid climate makes it a hotspot for termite activity nearly year-round, but knowing when termites swarm can make all the difference in catching infestations early and protecting your investment.

If you’re buying a home, here in Florida, especially an older or wood-framed property, understanding termite behavior can give you the confidence you need—or help you avoid a costly mistake.


What Is Termite Swarming?

Termite swarming is the process by which reproductive termites leave their colony to start new ones. There are two main types of termites that cause the most damage to homes:

  • Subterranean Termites – Swarm in early spring (February through May)

  • Drywood Termites – Swarm in late spring through early summer (May through July)


Swarming termites don’t do the damage themselves, but their presence signals that a mature, active colony is nearby—or already inside the home.


Why This Matters During a Home Inspection

A home that shows signs of swarming activity (even if subtle) may already have hidden damage. Many buyers of homes in Florida are unaware of what to look for or when to be on high alert. If you're shopping for a home in spring or summer—Florida's peak termite seasons—it’s especially important to have a Wood Destroying Organism (WDO) inspection conducted as part of your homebuying due diligence. This inspection will give you valuable information and understanding of any current presence or activity.


What Buyers Should Look for During a Walkthrough

You might not see termites themselves, but there are signs of their presence you can watch for:

Inside the Home:

  • Discarded wings near window sills or light fixtures (common after swarming)

  • Small, pin-sized holes in drywall or wood trim

  • Blistering or bubbling paint, which can mimic water damage

  • Hollow-sounding wood when tapped

  • Piles of frass (termite droppings) that resemble sawdust or coffee grounds

Outside the Home:

  • Mud tubes running along the foundation or up walls (sign of subterranean termites)

  • Soft or spongy wood on decks, fences, or wooden siding

  • Cracked or distorted wood in outdoor structures like sheds or garages

If any of these are present, we strongly recommend scheduling a WDO inspection before closing on the home.


What Is a Wood Destroying Organism (WDO) Inspection?

Often referred to as a “termite inspection,” a WDO inspection covers more than just termites. It also looks for signs of:

  • Wood decay fungi

  • Powderpost beetles

  • Old house borers

  • Other pests that damage wood structures

Items Typically Looked At During A WDO Inspection

  • Visually assess accessible areas inside and outside the home

  • Look for evidence of infestations, damage, or conditions conducive to WDO activity

  • Document any findings in a standardized report (which may be required by lenders)

In Florida, many lenders and insurance companies require a WDO inspection before finalizing a mortgage—especially for FHA, VA, or USDA loans.


Additional Inspections That Can Help

While the WDO inspection is critical, it pairs well with other services to give you a full picture of the home’s condition. (Remember that the idea is to make sure that the environment is not conducive to termites deciding it would be a good place to set up.)


  • General Home Inspection

Covers the structural, electrical, plumbing, roofing, and HVAC systems. Your inspector may notice areas where moisture could attract termites or fungi.


  • Thermal Imaging Inspection

Can detect hidden moisture behind walls or under floors—conditions that often attract subterranean termites and decay fungi.


  • Moisture Intrusion Inspection

Identifies areas where water is entering the home, such as roof leaks or poor drainage—prime termite habitat if left unaddressed.


  • Four-Point Inspection

For homes over 30 years old, this is often required by insurers. It doesn’t check for WDOs directly, but it highlights vulnerabilities that could contribute to future infestations.


Real-Life Example: Termite Damage Found Just in Time

A buyer was under contract on a 1970s ranch-style home here in Central Florida. It looked clean, well-maintained, and had just been painted. During the WDO inspection, discarded termite wings behind the baseboards and subtle damage in the attic framing were found. The buyer was able to negotiate a treatment and repair plan before closing, saving thousands and avoiding a serious financial burden.


Bottom Line

Termites swarm with the seasons, and so should your awareness. If you’re buying a home in Florida—especially in spring or summer—insist on a WDO inspection alongside your general inspection. Determining what you can’t see will give you the insights you need to make a confident decision.


We’re Here To Help

Feel free to call us if you have questions at 407-319-4608. You may also schedule your inspection or find additional information on our website.


*Image from Shutterstock

*Chart Information from InterNachi