First things first — there is no worm. Ringworm is caused by dermatophyte fungi, the same family that causes athlete's foot (tinea pedis) and jock itch (tinea cruris). The name comes from the ring-shaped rash it creates: a red, scaly border that expands outward with clearing in the center, forming a circle. Someone a long time ago thought it looked like a worm curling under the skin, and the name stuck. It is terrible naming. You can stop imagining parasites now.
The medical name depends on where the infection is. On the body, it is tinea corporis. On the scalp, it is tinea capitis. On the face, tinea faciei. Same fungus family, different locations, and — critically — different treatment requirements. Body ringworm is usually handled with over-the-counter antifungal cream. Scalp ringworm requires prescription oral medication. This distinction matters a lot, because parents who try to treat scalp ringworm with cream alone end up frustrated and confused when it does not clear.
Ringworm is very common in children. It thrives in warm, moist environments, spreads easily through direct contact, and children in daycare are basically living in a fungal transmission paradise — close physical contact, shared surfaces, communal nap mats. Add a family pet into the mix and you have all the ingredients.
The fungus feeds on keratin, the protein in the outer layer of skin, hair, and nails. It spreads outward from the point of infection, which is why the rash expands in a circle — the leading edge of the fungal growth is the active border, and the center heals as the fungus moves outward. That is the ring.