You were right about the templates. I used Dreamhost’s webftp client to move my wordpress site. It tells you to create the folder first. I took that to mean the main folders, and didn’t create all the many subfolders. I’m assuming that had something to do with why our template folder was not quite there. I could see it in webftp, but my ftpclient on my computer wasn’t showing it. Once I’d ftp’d all the files back, the site reappeared.
Dreamhost is saying that can’t happen, but that’s what I experienced.
Thanks for the help.