There's a genetic component to this belly fat thing--and sometimes it's age-related as well. Peri- and post-menopausal women tend to put on some tummy fat they never had before.
However, keep in mind that it isn't surface pooch but visceral fat (accumulates around the internal organs) that is most harmful to your health (as in coronary effects.)
My genetic "gift" is thigh and buttocks fat. Nothing makes it go away. I just figure I'd be a good person to get stuck on a desert island with. I'd last a long time on my own reserves
Good nutrition and regular exercise are healthy habits, no matter what the tendency of your body shape.