Warts are caused by a virus and in most cases, they can be treated over the counter. But in five percent of the cases, they are more serious and you will need a trip to your doctor.

One or two warts on the hand or finger is common. These can be treated over the counter. But the more contagious wart caused by a virus called molluscum cantagiosum affects children and it is very contagious. They are most common in infancy to age 10 to 12 and the disease has exploded in incidents.

"It appears as multiple, smooth, pink to flesh color, shinier, waxier papules or bumps that occur on the face, trunk and extremities but frequently in areas that are in skin folds, in underarms or the groin," said Dr. Paul Rappaport, a dermatologist.

The cause is not the back yard toad or frog.

"That is a myth. These lesions are caused by virus and frogs don't cause warts, I don't know exactly where that myth came from but it’s not true," said Rappaport.

The warts are treated with prescription creams and liquid nitrogen. Another option is to not seek medical treatment. The warts will probably heal by themselves, but could take up to a year.

Once you have them, like chicken pox, immunity is developed and they will most likely not come back. Prevent spreading the warts by keeping things clean and separate.

"Anyone who has the molluscum shouldn't be sharing clothing or using the same towels," Rappaport said. "I tell parents that if there are multiple children at home, they should not bathe together."

Kids with warts should avoid public swimming pools and not share toys.