It's not if you get termites, it's when.
about subterranean termites

Subterranean termites are the most destructive insect pests of wood in the United States. They cause billions of dollars in damage each year not covered by insurance.  Your home becomes their food.

In nature (non structure related), subterranean termites are beneficial because they break down cellulose into usable nutrients. The biomass resulting from this process is recycled to the soil as humus.  Subterranean termites are, therefore, considered important in our ecosystem.

Problems occur when termites attack the wooden / cellulose elements of homes, commercial buildings built by people. The presence of termites is often not readily noticed because their activity is hidden behind wallboards, siding or wood trim. Homeowners and property owners in all areas should consult professionals to inspect for subterranean termite activity and take precautions against infestations.

Subterranean termites are social insects that live in colonies within the soil, hence their name “subterranean”. These colonies contain three forms: reproductives, workers and soldiers. Reproductive males and females can be winged or wingless.  The bodies of winged reproductive's, also called swarmers, are coal black to pale yellow-brown.  Wings may be pale or smoky gray to brown. The entire purpose of the swarmer is to create a new colony. Workers make up the largest number of individuals within a colony and do all the work. They are wingless, white to creamy white and 1⁄4 to 3/8 inch long.  Soldiers defend the colony against invaders, primarily ants and other termites. They cannot forage for food or feed themselves, and they depend on the workers to care for them.  Soldiers resemble workers in color and general appearance, except they have well-developed brownish heads with strong jaws.