Less than 7 or 8 percent whole body fat is abnormal. More than 15 percent is too much.
Pendulous fat is undesirable.
Cellulite, abnormal rippling of fat is undesirable. Fat puts an excess strain on the heart and therefore is unhealthy in excess. Localized areas of fat are commonly unappealing. If so, you're a candidate for liposuction in that area. If not, you just have thick skin or large muscles.