Should I be worried about termites?

Birmingham,AL
Garden Home on a slab.

Passed a home inspection in 2000. I bought in 03 as a HUD foreclosure and havent done anything as far as hiring anyone.
It was built in 96.

Ive had a minor issue with ants….inside. Resolved. At least in the living area. Suspect they might be in the attic as they always seemed to be at the top of my ceilings.

in 5.5 years I havent had much of an issue with bugs. This year, Ive had some kind of flying something or another that seems very attracted to my desk light. They glide around, land and then I squish them. Dont know what they are.

Please tell me something other than "hire a pro".
(Professional crooks are pros)

Paying someone huge bux doesnt assure me of anything except being out huge bucks.

I dont have full coverage car insurance. I dont have ANY home owners. I can accept reasonable risks.

What are my risks of termites ?

2% ? 5% ?

What time frame ?

The terminex mailers I get are WAY too "scare tactic" for me to ever do business with them.

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