" Each house looks secure in good weather. But Palestine is known for torrential rains that can turn dry wadis into raging torrents. Only storms reveal the quality of the work of the two builders. The thought reminds us of the parable of the sower, in which the seed sown on rocky ground lasts only a short time, until “trouble or persecution comes because of the word” (13:21). The greatest storm is eschatological (cf. Isa 28:16–17; Eze 13:10–13; see also Pr 12:7). But Jesus’ words about the two houses need not be thus restricted. The point is that the wise man (a repeated term in Matthew; cf. 10:16; 24:45; 25:2, 4, 8–9) builds to withstand anything. "

― D.A. Carson , Matthew (The Expositor's Bible Commentary)