There are 2 patterns of fat accumulation - so-called android / male pattern / apple shape / around the abdomen; and so-called gynoid / female pattern / pear shape / around the hips. However, it's possible for women to have male pattern fatness and men to have female pattern fatness. Unfortunately, there's not much you can do about where fat is deposited, just ensure there's not too much. Exercise can tone up muscles, but not turn fat to muscle. There's an additional dvision of fat within the abdomen, comparing sub cutaneous (under skin), around organs and in liver, usually investigated by ultra sound, but only in research so far, not in screening practice.
Personally, I've always been skinny, but any fat that did accumulate was around my abdomen; only started putting on weight from diagnosis with type 1 diabetes, age 30, and now, over 40, do have to try a bit harder not to put on more. However, swimming in cold water, cold weather, sitting on rocks etc are all more comfortable now.