HPV which is the virus that causes warts is extremely common even in people who have not had multiple sexual partners. Once you have been exposed to the virus it can take many years to develop warts and alot of people never do get them although they will remain a carrier and still be at risk of cervical cancer. It is very possible you have been exposed to the virus from your husband years ago and only just developed them now or recently. Unless you have a specific test (which is not offered to 99.9% of people) the only way to diagnose it is from either an abnormal pap smear or clinical signs (say viewing the warts) By no means am I saying this is what they are but just what I know about them. Having an abnormal pap smear almost always means you carry the virus and even if you have the virus it does not neccessarily mean you will ever have an abnormal pap smear or develop warts.

As a midwife it become evident early in my training how incredibly common genital warts are. Many women don't know either as they can be inside and by no way effect your sex life or ability to birth/get pregnant. The greatest risk for women is the chance of the virus causing cervical cancer. This usually does not happen for along time after having the virus (like 20plus years) but if you know you do its probably best to have a paptest every year instead of two. Genital warts are usually multiple so there will be more then one but sometimes only 2-3. They are soft like normal tissue/skin and often described as finger like. They generally do not take on the cauliflower appearance like you would see a wart on another part of the body. The most common area you will see them is in the entrance of the vagina and slightly inside.

Your daughter wouldn't be at risk from her birth and if it is HPV I'm sure your husband would already be a carrier. Men do not get the warts at the rate women.