He said to them, “Where is your faith?” And they were afraid, and they marveled, saying to one another, “Who then is this, that he commands even winds and water, and they obey him?”
Jesus showed His controlling authority over the raging storm. The disciples are afraid. Most of them were fishermen. They had spent a lot of time in boats on this same lake. They knew how to handle wind and rough water. They had seen storms. But this time they were very scared. The wind and waves were strong enough that despite their experience and best efforts, the boat was quickly filling with water. It was turning into a survival situation.
The disciples do the very best thing possible in that moment. They turn to Jesus in their crisis. They are helpless and admit their great need. And Jesus changes the situation in an instant. With one rebuke, the winds and swamping waves cease. An immediate, unexpected calm settles in. And in that calm Jesus asks one penetrating question that rocks the souls of His men: "Where is your faith?"
The impact of that statement in the miracle calm out of the chaos has the affect of wondering fear falling on His disciples. They had a faithless fear in the storm, but now a holy, bewildered fear filled them in the calm. They just witnessed a powerful miracle where Jesus rebuked a storm. And the same God over the storm, calmly turned His penetrating gaze on them and rebuked their lack of faith. That is why they were afraid. The God Who rebukes storms also rebukes souls.