Lower belly fat even when underweight...

I am not asking for fat loss advice. Instead I wanted to ask if anyone also has really stubborn lower belly fat. I only ever lost it when I was rlly underweight. I weigh more now and even tho I'm still not at a healthy weight I have belly fat. It honestly makes me feel so self conscious when I see other girls not have any fat online and in person. I feel like I'm the only one and I hate it.