Just want to throw out there that women can have a higher body fat % and ripped abs...if they carry weight in their butt.
Also, when I was little, my dad used to say people generally fell into one of three categories: endomorphs, ectomorphs and mesomorphs. (Google any of those words and see the amusing drawings under "images".) And he said that you can only modify what you are to a certain extent and still be healthy. (CF would be an example of a disease that, through lack of absorbtion of fat and nutrients, can thin a body's shape too far/past what would otherwise be its set-point.)
I don't hear people talk about those categories anymore. Maybe because the obesity health crisis has changed the bodyscape of America altogether? Anyway, at the gym I've been going to for years, seeing the same people for years, it seems to hold true that people have certain genetic physical types--roughly--a mesomorph is muscle-y, an ectomorph is thin, and an endomorph carries more body fat. No body/nobody there changes A LOT. Some change relative to past selves, yes. But no dramatic transformations.
Anyhoo, I'm sure with regular core and aerobic exercise, you will see an improvement in the look of your abdomen. Just don't let yourself give up or be disheartened if you don't immediately (or ever) look like a probably-photoshopped picture on the internet.