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This is Dr. David
90% of adults with normal immune systems can clear the HPV virus out of their system in 1-2 years.
if you have noticed a new genital wart down there, this could be return of HPV possibly.
you need to see a gyn doctor who can examine the skin tag warts
warts tend to look like little cauliflowders under magnification view.
your husband's immune system may not be as good as yours and he may not have cleared out HPV virus out of his system as fast as you did.
if you do have HPV, it doesn't necessarily mean he is being intimate with someone else
but you should see a gyn doctor again and get a new pap and gyn exam to check that skin tag wart to be sure.
there are no real good HPV test for men like the pap smear for women.
let me know if you have other questions.