Termites haven't been an issue in my experience, but I'd still take precautions.
AC is a requirement unless you're at significant elevation AND have a house surrounded by trees. Even then, I would personally find it uncomfortable. Across VA it's not uncommon to have 100deg swings in a year (ie 0deg in winter to 100+ in the summer). Mid June through Mid Sept, you'll want AC. I've even seen days above 70deg in November in the mountains. When we moved to SW VA in the late 80s, the real estate agent tried to tell us AC wasn't required even though we were house shopping in the summer and it was hot and humid at the time.
Chris