HPV is incredibly common, contagious, and causes no noticeable effects in the overwhelming majority of cases. If you've had sex with more than one person, or the person you've had sex with has had sex with more than one, you've probably been exposed to one or more strains.
Even when people think they don't have it, it's quite probable they do. Statistically speaking, more than a couple people in these comments have some form of it.
It’s a shame that the vaccine isn’t approved for older people as it appears to suppress a variety of viral cancers beyond HPV specifically.
Google is telling me you can receive the vaccine as early as 9, but it’s typically recommended/given at 11-12.
If that’s correct, HPV is something as simple as foot/hand warts that can often be spread in things like gym locker rooms. A fair amount of people are exposed to those environments around or before that age, & sometimes it’s spread by something as simple as your shared home bathtub/shower.
[1]https://pubmed.ncbi.nlm.nih.gov/33101476/#:~:text=The%20hori....
Rather than "worry," there are a few actionable items -
1) Get your HPV vaccine and encourage others to get theirs
2) Get regular cervical cancer screenings ("pap test") if you have a cervix
3) See a medical professional if you have any symptoms