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Mulching any time of year can attract termites, so there’s no added risk in the fall. The important thing to remember is that termites are attracted to rotting wood, so you need to lay a thin enough layer that won’t trap too much moisture and lead to rotting. A layer between 1 and 4 inches thick should provide all the benefits you’re looking for without attracting termites.

Topsoil should go down first. If the topsoil is next to your house, make sure the grade slopes away from the house to keep water from pooling against your foundation and possibly leaking into your basement or crawl space. Don’t cover your decorative landscape mulch with topsoil as that defeats the purpose of laying down the mulch. If you’re trying to create a certain soil composition to improve plant growth, you’ll likely want compost mixed into the topsoil instead of mulch. Over time, any decorative wood mulch will simply decompose under the topsoil.

Regular maintenance involves raking or leveling out any displaced gravel, filling in low spots, and adding fresh gravel as needed to help prevent potholes and ruts. If you live in an area with heavy rain, checking the drainage and reinforcing the edges periodically can help prevent erosion.

The most important thing to put under a rock garden is the appropriate soil. The specific soil needed will depend on the type of plants you’re growing as well as the environment you live in. You can also put non-woven or woven fabric under the rocks to add to the garden's structural stability.