Hello Home Buying 9411,
FHA is governed federally, right. So the policy should be nationwide, across the board. From my understanding, FHA loans require Termite Report. Even though you did not check off the Termite or Wood Destroying Insect Inspection on the contract under the Home Inspection, the lender may want to see the report.
In my experience as a buyer's agent, I have submitted completed termite and septic report, if the property has septic system, to the loan officer.
And to answer your question if it is for your own benefit. My response would be NO. Termite inspection in CT cost around $100. To have it resolved if there is an existing infestation--easy $800 and could be higher. Do you want to inherit this problem or not know about it?