There is a lot of misinformation out there about termites leading to a lot of very expensive treatments on houses that were never really necessary. Whilst most termites can pose a threat to your house (with the exception of the microceroterme), there are really only two species that would take on your house and do lots of damage fast. It is good practice to get your house inspected annually and much cheaper to treat and repair if caught early. The inspector will educate you onsite and through a detailed report with photos on the best way to minimize the chances of your house getting targeted by termites.