Waist to Hip Ratio
Your health is not only affected by how much body fat you have, but also by where most of the fat is located on your body.  People who tend to gain weight mostly in their hips and buttocks have roughly a pear body shape, while people who tend to gain weight mostly in the abdomen have more of an apple body shape.

If you have an apple shaped body rather than a pear shaped body, you are at increased risk for the health problems associated with obesity, such as diabetes, coronary heart disease and high blood pressure - that's something you inherited, and have had since birth - but you can take special care to keep your weight at a healthy level, eat nutritiously, exercise as appropriate, and maintain other healthy lifestyle habits.

As long as you avoid excess weight, being an apple shaped body or a pear shaped body doesn't put you at special risk - it's just one of those things to keep in mind.  And even pear shaped people should take particular care to keep their weight within normal limits, to avoid the health problems associated with obesity.
Instructions
Select your preference for measuring in Metric or Imperial units and your gender.  Input your measurements for your Hips and Waist and click the Calculate button.

Your Waist to Hip Ratio and associated level of Health Risk will be displayed below.
 
Health Risk Waist (at naval) cm cm Waist to Hip Ratio Hips (at fullest point)
Units Gender