Not to belittle your concern, but you really shouldn't worry about anything which has just appeared. If it is still there 14 days from now, then it's worth a look see. The mouth is constantly full of small benign abnormalities, and most of them resolve on their own without treatments of any kind in that period of time. As to being genetically predisposed to cancer, this cancer does not appear to follow genetic predispostion patterns like breat cancer for instance. 75% of the people that get it, come to it through lifestyle issues, the rest from viruses, and other small contributors to the number. The only genetic predisposition would be a gene p53 defect, and that would be hard for you to know, and would open you up to many other cancers besides oral. If it still there in two weeks and it is the size of a pin head, I would just get an oral surgeon to snip it off and send it for biopsy. No pain, 10 minutes of your time. But odds are that it is nothing to concern yourself with.