What direction do the cracks run in, and where are they from? This makes a big difference in deciding structural vs. not.

I'm not a structural engineer, but if the cracks are indeed cosmetic, it's an easy fix. Minor cracks in the stucco seem as common and unavoidable as cracks in a plaster wall. They are not difficult nor expensive to fix, an easy Saturday afternoon DIY. Buy a bag of stucco mix, mix according to package directions, and be sure to spritz the cracked area with water before applying new stucco--the old stucco will draw the water out of the new stucco and compromise it if you don't. Good luck--I hope it's just a minor thing!