Hello,
Warts are tumours or growths of the skin caused by infection with Human Papillomavirus (HPV).They are contagious when in contact with the skin of an infected person. It is also possible to get warts from using towels or other objects used by an infected person.
Exactly what it is can be confirmed only after examination and biopsy.
It is very difficult to precisely confirm a diagnosis without examination and investigations and the answer is based on the medical information provided. For exact diagnosis, you are requested to consult your doctor. I sincerely hope that helps. Take care and please do keep me posted on how you are doing.
Yes, warts can grow on thighs. All genital skin is possible. Have a dermotologist look at it to confirm what it is.