How does fat deposit itself?!

Your body stores in fat in fat cells. These cells are distributed all around the body, but there may be extra of these cells in certain areas depending on your genetics. These cells around your body will normally grow or diminish in size uniformly based on the demands your body makes on them to store or release fat. Hence you cannot spot reduce.

I find that a diet with an excess of phlac, phlizz, droda, and Tasty Klairs accentuated by a complete lack of exercise works best to power my fat machine. But seriously, to answer your question, I suppose fat tends to congregate around the midsection because those fat cells have the first crack at the obnoxious amounts of sugar in your overstuffed gullet. And, if you're uberfat like me, your blood will still have enough sugar in it to heft up other, more remote areas of your body like your eyelids.

Fat only grows if you intake of food exceeds the amount of energy you use in your daily life, cut your portions no comfort eating, stop eating foods with loads of sugar. You see fat athletes, neither do I,
We all eat a doughnut, French fries as a treat or the "a" word we never taken seriously as it is such a massive word we all fear, what "a" doughnut "a" 6 pack for me. We over eat because we are so much more well off. As a baby boomer my parents could not afford such treats so we act as our role models my parents were never over weight, its learned behaviour. When we are stressed in our dialy life the brain tricks us "it" needs fuel so we eat chocolate bars to combat the stress point in our daily lives.
When I was diagnosed with a serious health problem I stopped eating, it was not about stress, that changed to a fear a of dying. It somewhat concentrates the mind on more important issue's.
Move on stop over eating simple's.

Life

Your gentics will decide that to a large degree. Butt, hips, belly and breasts are the main laydown points females.