It all depends on who is running the meet, how many lanes there are in the pool, and if it is a qualifying meet. Usually, for a finals meet for any big event there are 4-5 officials circling the far side of the pool, 3 in the sides of the pool, and one official on the starts/finishes side of the pool.
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Generally referees are not needed for a race, as it should be obvious if runners do not stay on the course. You do need probably a couple of timers, as well as someone to start the race.
For high school, the top seven runners are the varsity runners. The top five to cross the finish line are scored for the team. Everyone else is junior varsity.