Ouch, I pick up a bit of defensiveness in your SWH. We are here trying to help and no one said anything out of line.
For starters, I hope you have been communicating with her along the way as she has grown so that she understands what happens to her body when she goes through puberty, understanding her period, and mostly being comfortable to come to you to ask questions she may have pertaining to sex and more.
My daughter is 19 and I have never checked her private parts since she was out of diapers. I find that a bit odd as well. I feel that "checking" her is different that just normal getting dressed or being around the house and someone might not have all their clothes on because of showering, dressing, etc.
I hope you are not making a huge deal about this to her. The last thing she needs is to be self conscious of her body.
Will she be entering the 4th grade? Our elementary school nurse has a talk separately with the boys and girls in 4th grade to discuss upcoming body changes and answer questions because a lot of parents are too embarrassed to address these issues with their children.
Take her for her checkup and talk to the Dr. She sounds normal to me.
What is it that you want to do about it? She is growing up mom, accept it, embrace it and communicate with her.
ETA: Interesting how you removed your question to make it bland and the SWH. FWIW, anyone who reads the answers that are posted will quickly figure out what you asked.