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VA Loan Data Hub Local Requirements (WDI/Termite)
Official VA list · by state & county · lookup · CSV

VA Local Requirements by State (Termite/WDI)

This page answers one question fast: Does the VA require a wood‑destroying insect (WDI/termite) inspection in your area? Use the lookup tool to check your state (and county when applicable), then download the dataset for citations, spreadsheets, or tools. For the official source, see the VA’s Local Requirements page and the VA Lender’s Handbook.

Last verified: (unchanged for 2026)
Unit: Requirement status
Primary source: VA Local Requirements
Lookup tool 50‑state overview County lists How this works Downloads & citation Frequently Asked Questions References

Lookup tool (state + county when applicable)

Select a state. If the VA requires WDI only in certain counties, enter your county to confirm coverage.

Tip: You can still get an inspection even when it isn’t required—lenders/appraisers can add conditions if evidence exists.
Only used for states where the VA requirement is county‑specific.
Result
Select a state
This lookup reflects the VA’s published WDI coverage list. Final conditions appear on your VA Notice of Value (NOV), and lenders may apply overlays.
Requirement status
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Scope
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Fee & responsibility note (VA guidance)

If the VA requires a pest/WDI inspection as a condition of the NOV, VA policy allows the Veteran to pay that inspection fee. Fees and repairs can also be negotiated in the contract like any other closing cost item. See Circular 26‑22‑11.

50‑state overview (plus DC & territories)

States not listed by the VA as requiring WDI are treated as “not required unless noted” (appraisers can still call for inspection when there’s evidence of infestation or damage).

VA WDI (termite) inspection coverage — by state/county
State / TerritoryCodeRequirement statusScopeDetails
Interpretation

“Required statewide” means the VA list includes the entire state/territory. “Required in some counties” means the VA list names specific counties only. “Not required” means the VA list does not include that state—inspection may still be required if the appraisal observes issues.

County lists (where the VA requirement is county‑specific)

These county lists come directly from the VA Local Requirements page. Use the lookup tool above for fast checks.

How this works (clear rules, no myths)

What borrowers and agents should understand before the VA Notice of Value (NOV) is issued.

1) The VA publishes a coverage list (states + a few county exceptions)
The VA’s Local Requirements page lists only the states/areas where a WDI inspection is required. If your state is not listed, the VA does not require a WDI inspection unless the appraisal indicates a problem.
2) Some states are county‑specific
Colorado, Iowa, Nebraska, Nevada, New York, Pennsylvania, Utah, and Wisconsin have county lists. In those states, the VA requirement applies only to the named counties.
3) The NOV is the final authority for your file
The VA appraiser’s findings and the VA’s Notice of Value (NOV) determine what’s required. Lenders can also add overlays. Use this page to predict requirements early, then confirm against your NOV.
4) Not required does not mean “never”
Even in a non‑listed state, an appraiser can condition the loan for a WDI inspection if there’s evidence of infestation, damage, or conducive conditions. When in doubt, budget time for the inspection.
5) Who pays (inspection fee + repairs) depends on the deal
VA guidance allows charging the Veteran for the pest inspection fee when required by the NOV, and repairs can be negotiated like any other closing cost item. Always confirm your lender’s policy and your contract terms.

Downloads (CSV) + cite this dataset

Reuse the official coverage list in spreadsheets, research, or internal tools.

VA Loan Network. “VA Local Requirements by State (Termite/WDI Lookup).” Verified Dec 7, 2026 (unchanged for 2026). https://valoannetwork.com/va-loans/entitlement/local-requirements/

References

Official resources used for the coverage list and the fee policy note.

Primary sources
  • VA — Local Requirements (WDI coverage by state/county).
    Open VA page
  • VA Lender’s Handbook / Pamphlet 26‑7 — Chapter 12 (Minimum Property Requirements; includes WDI section references).
    Open PDF
  • VA Circular 26‑22‑11 — Pest inspection fees and repairs policy note.
    Open PDF
Why the VA sources matter

Coverage and policy can change. This page mirrors the VA’s published list and links directly to the VA documents so users (and reviewers) can verify the source.

Frequently Asked Questions

Short, direct answers based on VA published guidance.

Is a termite (WDI) inspection required for every VA loan?
No. The VA requires WDI only in listed states/areas (and certain counties in a few states) or when the appraisal indicates infestation, damage, or conducive conditions.
What if my state isn’t listed on the VA coverage list?
If your state isn’t listed, a WDI inspection is generally not required—unless the appraiser notes evidence of infestation/damage or conditions that warrant an inspection.
Which states are county‑specific for VA WDI requirements?
Colorado, Iowa, Nebraska, Nevada, New York, Pennsylvania, Utah, and Wisconsin. Use the lookup tool to confirm whether your county is included.
Who pays for the termite/pest inspection on a VA loan?
When required by the VA NOV, VA policy allows the Veteran to pay the inspection fee. In practice, it’s negotiable—buyers, sellers, or lenders may cover it depending on the deal.
Can the appraiser require a WDI inspection even if it’s not required statewide?
Yes. Appraisers can condition the NOV for a WDI inspection if there’s evidence of infestation, damage, or conditions likely to cause it—regardless of state listing.
Does the VA require repairs for termite damage?
If damage or active infestation is found, the NOV can require treatment and repairs to meet VA minimum property requirements before the loan can close.
Do condos have different termite/WDI rules?
Condo projects can have additional underwriting and inspection requirements. WDI coverage still follows VA’s list and appraiser findings, but lenders may impose condo-specific overlays.
Does new construction need a termite inspection?
It depends. In covered areas, the VA may require WDI information or treatment documentation. New construction can still be conditioned based on local risk and appraisal observations.
How often does the VA update local requirements?
There’s no fixed schedule. Updates occur when VA policy or coverage changes. This page includes direct VA links so you can confirm the most current source.
Where does your state/county data come from?
Directly from the VA’s published Local Requirements page, which lists covered states and (for certain states) specific counties.
© 2026 VA Loan Network
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