In addition to environment, genetics and other factors, hormonal differences contribute to the difference in body-fat distribution.
In men, excess fat is usually concentrated in the abdominal and waist areas. This leads to what's called the android body type, commonly known as the apple shape. Women most often carry excess fat in their hips, thighs and buttocks, resulting in the gynoid or pear-shaped body.
Where an individual stores excess body fat is more than just a matter of appearance. People with an apple-shaped body have a higher risk of developing type 2 diabetes and cardiovascular disease than those with a pear-shaped body. But that doesn't mean pear-shaped people are off the hook. Being overweight increases the chance for heart disease, stroke, hypertension, gall-bladder disease, osteoarthritis, breathing problems like sleep apnea, and even some forms of cancer.