you may be considered 'skinny fat' where you have a relativley low muscle mass and fat is stroing predominantly in the mid area, but it looks pretty average compared to the average person. I also store my weight in my stomach and hips but resistance weight training can help you recomposition this (i.e. make you waist and stomach smaller and legs bigger and back broader (creating allusion of a smaller mid section too).
but you're very normal anyway !!