What is the ruling on a husband saying to his wife, "May your house be ruined" when he is fixing electricity and is afraid, and is this considered a divorce, and is the wife required to ask him about his intention?

This utterance has no connection to divorce. It is likely either an insult or a curse, both of which are impermissible in Islamic law and contradict good companionship. Some scholars have considered a husband's insult to his wife a valid reason for her to seek divorce, which indicates its seriousness, bearing in mind that seeking divorce without a valid reason is forbidden. A Muslim should guard his tongue and avoid obscenity.