In this parable, Jesus describes one who hears His words and does them as a man who, when building his house, digs his foundation deeply and upon rock. When a flood threatens it, the house remains intact on its secure base.
Jesus' metaphor in the parable is apt: A man's character is like a house. Every thought is like a piece of timber in that house, every habit a beam, every imagination a window, well or badly placed. They all gather into a unity, handsome or grotesque. We decide how that house is constructed.
Unless one builds his character on the rock-solid foundation of God's Word, he will surely be swept away by the flood now inundating the world. As I Corinthians 3:11 says, "For no other foundation can anyone lay than that which is laid, which is Jesus Christ."
Of the two builders in the parable, one is a thoughtful man who deliberately plans his house with an eye to the future; the other is not a bad man, but thoughtless, casually building in the easiest way. The one is earnest; the other is content with a careless and unexamined life. The latter seems to want to avoid the hard work of digging deep to ensure a strong foundation, and also takes a short-range view, never thinking what life will be like six months into the future. He trades away future good for present pleasure and ease.
The flood obviously represents the trials of life. Frequently, the trials of life descend upon us either through our own lack of character or because of events in the world around us. Is our house strong enough to withstand the onslaught of the horrendous events of the end time? Can it even withstand our own weaknesses?