Dry nipples?

So I'm 20 - almost 21 - and have never had this before. My right nipple is dry and the skin is flaking off. Although my left nipple feels kind of dry, too, it's just not flaking so I don't think it's cancer or anything (I did panic about it, but my skin feels generally dry all over so I don't think that's it). Should I go to the doctor to get that checked anyways? I haven't found any lumps or any other changes at all in my breasts. I think it might be because I have sensitive skin and I have been using a different body wash I got for Christmas. Would that be a possibility?
It's not itchy or anything. Just kind of dry.
Should I put some lotion or coconut oil on it and see if that helps? Has anyone had this before?