01 — Your Home & Property
Larger homes have more entry points, more wood structure, and higher exposure to interior pest activity.
Larger lots in Central Texas mean more fire ant, scorpion, and wildlife pressure from the perimeter in.
🚨 An active infestation means the problem is already inside your home. This is the highest urgency state — immediate treatment is almost always less expensive than delayed action.
🚨 No active treatment plan means your home has no chemical barrier — pests can enter and establish freely.
Homes without an ongoing treatment plan accumulate pest pressure year over year, especially in Central Texas where pest season never fully stops.
02 — Signals & Costs
$
If a pest control company has quoted you a treatment or remediation, enter it here. Otherwise leave as 0.
Seen pests inside your home recently?Interior activity is the line between outdoor annoyance and active infestation
Any wood damage, mud tubes, or unexplained structural issues?Termite / wood-borer signal — structural damage risk escalates verdict immediately. Not covered by most homeowner policies.
Scorpions, fire ants, or wasps present on your property?Central Texas-specific — these three create ongoing liability, health risk, and compounding treatment cost
Est. Risk Exposure
$0
if left untreated
Recommendation
—
based on your inputs
Est. Structural Risk Avoided
$0
with timely treatment
Step 1 — Cost of Active Infestation (Annual)
When a home has an active infestation, costs accumulate daily — from damaged food, contaminated surfaces, and the compounding structural damage from wood-boring pests. We apply a conservative floor estimate of $900/year — approximately $75/month — covering emergency treatment fees, contaminated food replacement, and the cost of living with an active infestation. This does not include structural remediation, which is calculated separately.
Operating Cost = $75/month × 12 = $900/year (applied only when active infestation is present)
Step 2 — Pest History & Treatment Gap Risk
Homes without active treatment accumulate pest pressure year over year. In Central Texas, pest season never fully stops — fire ants, termites, and scorpions are active most of the year. We apply a base risk figure scaled by pest history severity, yard size, home size, and treatment gap.
Base Risk = pestScore × yardMult × sizeMult × treatFactor × maintFactor
Step 3 — Performance Signal Surcharge
Each warning signal you flagged carries a real cost. Interior pest activity signals an established population. Wood damage or mud tubes indicate termite or wood-borer activity — structural damage that is not covered by most homeowner's insurance policies. Scorpions, fire ants, and wasps create ongoing liability and recurring treatment costs that compound monthly.
Signal Risk = (sig1 ? $800 : 0) + (sig2 ? $4,500 : 0) + (sig3 ? $600 : 0)
Step 4 — Termite Structural Damage Benchmark
Termite damage averages $3,000–$8,000 per remediation event and is not covered by most standard homeowner's policies. We use a $4,500 midpoint as the structural risk avoided with timely treatment — a conservative figure for a standard Central Texas home.
Structural Risk Avoided = $4,500 × sizeMult (if wood damage signal is flagged: $8,000 × sizeMult)
Step 5 — The Treatment Threshold
Unlike HVAC or plumbing, pest control doesn't follow a simple age × quote formula. Instead we use a cumulative risk model: the combination of active infestation signals, wood damage indicators, and no treatment plan creates a scenario where the cost of inaction always exceeds the cost of treatment — especially for termites in Central Texas.
Treatment makes financial sense when: pestScore + perfScore ≥ 4
Annual contract cost ($400–$800) vs. single termite remediation ($3,000–$8,000)
📌 Termite damage cost data from the National Pest Management Association (NPMA) and Texas A&M AgriLife Extension. Treatment cost averages from HomeAdvisor and Angi 2026 reports. Scorpion and fire ant liability data from Texas Department of Insurance. All figures are estimates — actual results vary based on pest species, infestation severity, and property conditions.
Your Full Risk Breakdown
Heads up: These are estimates based on industry averages and your inputs — not guaranteed outcomes or quotes. Termite and pest damage costs vary significantly based on species, infestation duration, and property construction. Termite damage is not covered by most standard homeowner's insurance policies. This tool is designed to help you understand the risk, not promise a specific dollar figure.
The Treatment Threshold
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