Does having high cholesterol mean you have clogged arteries?

my cholesterol is considered high. my high cholesterol is hereditary because my diet is pretty healthy. I have always wondered and stupid me has never asked my dr. does it automatically mean you have clogged arteries. I worry because I do have small children and don't want to have a heart attack. I do take medicine,exercise and eat right. what are your chances of getting clogged arteries.