Fat storage and metabolism in men and women differ primarily due to hormonal influences. Men typically have a higher percentage of muscle mass, which allows for a faster metabolic rate and greater fat-burning capacity. Women, on the other hand, often experience more subcutaneous fat storage, particularly during reproductive years, influenced by hormones such as estrogen. This can lead to differences in fat distribution, with men accumulating more visceral fat around the abdomen, while women tend to store fat in the hips and thighs. These variations impact health risks and metabolic responses.