DavesMom,
Yes, there are lytic lesions within the bone that are benign. One is the unicameral bone cyst. The fact that it has not changed is very good. Occasionally, when a radiologist is reading a study for one thing (say a chest x-ray), if there is something going on outside of that area, it may not be picked up. The radiologist went back to look at older studies and found it.
Whether or not it is a fracture risk, depends upon how large it is. In the lower extremities, if a lytic lesion involves 50% or more of the diameter of the bone, it is usually prophyatically treated. The indications are a little different in the upper extremity.
Most bone tumors can be diagnosed on the basis of the appearance on x-ray. But if you are concerned, you might ask an orthopedic surgeon to take a look at the films and see if treatment is necessary.
Good luck.