Home-sale inspections

Which states require a termite (WDI) inspection for a VA loan?

The official 2026 list of states and counties where the VA requires a wood-destroying-insect report.

✓ Reviewed June 27, 2026 · source: VA (benefits.va.gov, Lenders Handbook Ch.12 §33)

By Andrii Boltag, Founder & Editor · Reviewed by [licensed pro — name & license # to add] · Last verified

The VA requires a wood-destroying-insect (WDI) report statewide in 35 states and territories, and in specific counties of 8 more states. Elsewhere it is required only if the appraiser notes evidence.

The report is the NPMA-33 form and is generally valid about 90 days. Since 2022 (Circular 26-22-11) the Veteran buyer is allowed to pay the fee.

Required statewide (entire state)

For these states and territories the VA requires WDI information on every property:

AlabamaArizonaArkansasCaliforniaConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIllinoisIndianaKansasKentuckyLouisianaMarylandMassachusettsMississippiMissouriNew JerseyNew MexicoNorth CarolinaOhioOklahomaPuerto RicoRhode IslandSouth CarolinaTennesseeTexasU.S. Virgin IslandsVirginiaWest VirginiaGuamAmerican SamoaNorthern Mariana Islands

Required in specific counties only

These states require WDI information only in certain counties — check the VA's official county lists for the exact counties:

ColoradoIowaNebraskaNevadaNew YorkPennsylvaniaUtahWisconsin
Counties change; the authoritative, current county lists are on the VA's Local Requirements page. We link rather than reproduce them so you always see the live list.

Everywhere else

If a state is not listed above, a WDI inspection is not required for the VA loan unless the appraiser specifically notes evidence of infestation in the appraisal report. FHA and conventional loans follow a similar "only if flagged" rule.

Common questions

Does the VA require a termite inspection in every state?
No. The VA requires a wood-destroying-insect (WDI) report statewide in 35 states and territories and in select counties of 8 more states (Colorado, Iowa, Nebraska, Nevada, New York, Pennsylvania, Utah, Wisconsin). In other states it is required only if the appraiser notes evidence of infestation.
Who pays for the termite inspection on a VA loan?
Since VA Circular 26-22-11 (June 2022), the Veteran buyer is allowed to pay the WDI inspection fee in any state. Before that, the buyer generally could not. Who actually pays is still negotiable and varies by local custom.
What form is the VA termite report?
It is the NPMA-33 wood-destroying-insect inspection report. It is generally valid for about 90 days for mortgage use; if closing falls outside that window, lenders typically require a re-inspection.

Sources