The word "warty" is a straightforward English formation, built upon the ancient Germanic root for a skin growth. The base noun "wart" descends from the Proto-Germanic wartōn-, which itself has a possible, though disputed, Proto-Indo-European connection to roots meaning "to turn" or "to become," perhaps evoking the idea of something that grows or twists out from the skin. By adding the productive adjectival suffix "-y," meaning "having the qualities of" or "resembling," English created a descriptive term that literally means "having warts" or "wart-like." This logical compounding directly links the physical characteristic (the wart) to the descriptive property (being covered in or resembling warts), a pattern common in English for describing textures and surfaces, such as in "bumpy" or "fuzzy."

Structure: wart (a small, hard growth on the skin) + y (adjective-forming suffix) - wart: From Old English wearte, of Germanic origin; related to Dutch wrat and German Warze. The core meaning is a small, hard, benign growth on the skin. - y: A native English suffix (from Old English -ig) used to form adjectives meaning "characterized by" or "full of."