Nature wants you to protect your genitalia. Having them inside you is helpful, but no where near enough protection to make it not hurt. So yes, taking a field goal to the cooter will hurt something fierce, but it will never hurt more than an equal kick to the nuts. Long and short of it is this. Don't get hit in the vagina. Also, keep sand out of there.
I am an expert on both ball busting and snatch smashing.