Scared of intimacy

I’m 16 and I know it probably sounds really silly but I’m super scared of anything intimate. Sure I’d like to try sex or have someone to love but I have little to no self confidence and there’s no way I’d ever let anyone else see me naked. The furthest I’ve ever gone with a guy was a hug and that was extremely awkward too. People say things will change and I’ll become for confident but I’m worried they won’t?