If it's a new house, it was pre-treated before the slab was poured, and that treatment is good for 10 years. Keep in mind that the land your house was built on was practically sterile from the massive site preparation the developer does when building out the neighborhood. Any existing colony would have been destroyed and any surviving queen would have to survive for months without food or water before poison was poured on her, when they built your concrete house with steel studs.
If your house is pre-owned, it is surrounded by thousands of similar homes containing wealthy retired people who dutifully pay Massey or Deans thousands of dollars to guarantee their service. A living queen from outside the community would probably need to fly miles to get to your unprotected house.
So there is a reason the only people who seem to know anyone who has ever seen a termite in the Villages are the same people who want you to spend thousands of dollars to defend your home from them.
Back in the real world, I once had a minor infestation in my Houston brick home, where pre-treating for termites is not even required by code. The house was 20 years old when I bought it. It was inspected and free of termites when I bought it, and yet, I could turn over a shovel anywhere in my yard and find termites. The reason I got termites was that I replaced a garage door on an outbuilding with hardiplank when I converted it to an office, and I stupidly allowed it to touch the ground, thinking that termites won't eat concrete board. Turns out they will, if it gets wet. They did about $200 worth of damage before I discovered them. It cost $150 to have both that building and the house treated, and the guarantee was good for ten years. I was NOT required to pay them another $150 every year for the guarantee, like Massey and Deans do.
Personally, the treatment on my current concrete and steel home is expired, but so far I have been unable to find a vendor who will just do the job for a reasonable price, without the $150 yearly ransom. So I've decided to just take my chances.
Bottom line -- you are extremely unlikely to have termites in The Villages (or anywhere else), regardless of what you do. But if you need to give Massey $500 plus ten years of $150 annual payments to sleep at night, then do it.
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