It (hand to genital transmission) seems to be a theoretical risk more than anything, but it probably does happen on very rare occasions.
Here are some links to similar discussions on the expert forum:
http://www.medhelp.org/posts/STDs/Transmission-risk/show/1169185
http://www.medhelp.org/posts/STDs/Genital-To-Hand-Contact/show/383364
http://www.medhelp.org/posts/STDs/Happy-endings--testing/show/957392
Overall, it doesn't seem to be anything to worry about.
There is a HPV test for women, and it is often done along with the PAP. It isn't conclusive, as it just tests the cervix, but that is the part of the body where HPV is a concern. HPV testing is not often done on young women, because the majority will contract and clear HPV infections without any problems. Some doctors feel that it does not give useful information for young patients. Regular PAPs are recommended for all sexually active women, with HPV testing for older women.
Most people will show symptoms in the months following exposure (if at all), but for some people it can take longer. HPV is a strange virus, and doesn't seem to follow time lines very well.