Is body fat different for everyone?

My waist size is 31.5inches at the belly button. I measured my BF % on different websites and it's generally 15-16%. However, I've looked at pictures of 15-16% bf but I look a bit different. My belly is a little bit more out and hangs a bit more but it only forms almost a roll when I sit down if you know what I mean. However, my top two ab packs are a bit more prominent than in the pictures I've seen. I've heard that abdominal muscles push fat out. Could this be why?
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