My cat was strictly an indoor cat so I'm not sure how she ended up with fleas, but she had them pretty bad a couple of times. I treated her, and the house, and eventually got rid of them but before I did, my legs from the ankles to the knees looked like I had a bad case of chicken pox. I'd never been bitten by fleas before then so I had no idea I'd react the way I did. And given the fact that most insects don't even bite me, I naively assumed that fleas wouldn't bother me either.
We camped by a lake in Canada once where they had biting flies that I swear were the size of small aircraft and they chomped the hell out of my bare legs before I could change from shorts into long pants. I've also had a reaction to a spider bite. But the fleas were the worst biting insects I've ever dealt with!