Thank you very much for your response. I feel a little bit better now. Your help on this website is really wonderful and I hope you continue to help all of us out here.
As I have said many times on this forum, most cases of HPV regress and stay regressed or even cured. But I also have said recurrence is possible and try to remember to use such qualifiers as "most", "usually", etc. Whether this is the epxlanation in your case, or whether you might have been infected more recently with a new HPV strain, I cannot say.
Your doctor is using atypical terminology. Most experts, including I, would not call it a wart if we can't see anything and only have a biopsy report. On the other hand, some clinicians call such lesions "flat warts" or "subclinical warts". The terminology isn't the main issue; the fact is you have asymptomatic HPV infection of the cervix.
Don't worry about passing this on to your husband. Since your infection likely has been present for 14 years, and reactivated for at least several weeks or months, you can safely assume he already has been (re)exposed. Indeed, he likely has long since been infected by it and now immune to catching this particular strain again. The bottom line is that it is unlikely he will develop active infection or visible warts. And if he does, it doesn't require extramarital sex to explain it all. (However, you undoubtedly know the statistics; many apparently faithful married people in fact have other partners. This does not mean I suspect your husband has done so; you are a much better judge of that than I can be. But as an STD expert, this possibility is always on my mind. There is no way I can know whether your husband brought your current infection into the relationship from another recent partner.
Specific answers to your questions:
1) Does biopsy result mean warts? See above; it is a matter of terminology.
2) Long term undetected infection possible after 14 years? Yes.
3) Most likely your infection will remain localized to the cervix, but I cannot predict with certainty whether you might develop external genital warts.
4) Husband and warts: See above.
Good luck-- HHH, MD