Here in Sacramento black widows generally don't venture into human living areas, they tend to stay outside or in easy to reach (for them) spaces that are secluded and where they believe they are unlikely to be harassed by humans. I have at least one widow in my garage right now, I had another one and sprayed it but now I've got another one which makes me think there's a colony somewhere. When I take everything out for the move north this fall I will have to bug bomb the garage to make sure I've got everything. I've had spiders inside my actual living space before, but never widows, as I said the ones here generally avoid humans and only bite if they feel threatened.
There are yellowjackets here too (I'm about 120 miles NE of
@AspieOtaku) but their nests are usually small, at least the ones above ground are. Lots of skunks and such around here so probably not many underground nests, we do have underground bees of some kind, but mostly the yellowjackets stay up high out of the reach of yellowjacket predators.
If they infringe in human territory you have to kill the nests because they will return to the same place year after year, that's how you get those giant nests. After my grandparents died we found an abandoned pickup out back that had an engine compartment with a huge nest, they like old cars because the skunks can't reach them and often humans don't bother them.