You can develop lower belly fat at any age, though. The food you eat daily plays a serious role. The Journal of Clinical Investigation in 2009 published a study showing that consuming a significant amount -- about 25 percent of calories over just 10 weeks -- of fructose-sweetened drinks, including soda and fruit punches, increases visceral fat development. Other sugary foods can be to blame as well. Reduce your intake of candy, soda and processed baked goods to help lose your belly.
The stress hormone cortisol can really screw with your belly. The problem with cortisol is two-fold: First, the chemical makeup of cortisol causes the body to store visceral fat. Visceral fat is stored between your main organs and in the midsection and is the most dangerous type of fat. Experts state that visceral fat increases the risk of diabetes and heart disease.