You should probably know by now that catching warts from toad is just an old wives' tale. The truth is, warts are harmless, non-cancerous, and can affect anyone at any age and appear anywhere in the body. Warts occur when one of the many types of human papillomavirus (HPV) comes in contact with your skin and causes an infection. More so, it is more likely to develop on broken skin such as in areas nicked by shaving or hanging nails.