N.S.
It could be just normal "body exploration" or possibly a urinary tract infection. Does she have to pee alot? That could be another sign of UTI. See if you can get your ped. to do a urine culture just to rule out UTI. Or maybe she just noticed that it feels good to touch down there (not sure what age child we are talking about)in which case you just have to explain that there are some things we do in private ;)