Default File Manager
Hidden files like .htaccess are always visible if you use our Default File Manager. It means that if you don't see it - it has not been created yet.
File Manager (Beta)
.htaccess will be visible by default, although you can double check Settings for Hide dotfiles option:
It must be disabled to see files like .htaccess
If you are using cPanel you can double check if hidden files are enabled as guided here: How to show hidden files (.htaccess) in cPanel File Manager?
If you are using FTP client such as FileZilla you can show all hidden files by default by navigating to Server section and selecting Force showing hidden files: