What's actually documented, and what isn't
It's tempting to assume that anything that's been outside all winter and then gets into your house brings some general germ risk with it, but the evidence doesn't support treating winter pests as a uniform category here. CDC documentation is specific: rodents can carry hantavirus, Salmonella and leptospirosis, transmitted through contact with urine, droppings and nesting material, or by inhaling airborne particles from dried waste that's been disturbed. That's a real, named, well-documented risk with a clear transmission pathway.
The overwintering nuisance insects covered elsewhere in this hub — cluster flies, Asian lady beetles, stink bugs, boxelder bugs — don't carry an equivalent risk. Penn State Extension states plainly that cluster flies "are not known to carry any diseases of medical importance to humans." They may leave small excrement spots on windowsills or walls, which is a nuisance and a cleaning issue, not a documented health hazard.

