Certain programs allow people to access Webcams remotely. Yawcam is one such program. It can be very useful for monitoring your home while you’re away. But it could be dangerous in the hands of voyeurs.
Programs like Yawcam have to be installed directly on your computer. That means a voyeur would need physical access to it. This is the least likely scenario. But always be careful with whom you let use your computer.
Malware also is a problem. It could show up in spam e-mail. Or, you could be tricked into downloading it. The malware could hijack your Webcam. Quality security programs will help you defend against malware. My Security Center has everything you need, free.