In general all women aged 30 and less who haven't been pregnant and given birth would tend to store fat on their lower body preferentially. The difference in how much is determined by a few factors:Why on earth would some store their fat only on their thighs? That's impractical. I also think that my body has restricted access to this fat supply as I would lose muscle and all the fat on my upper body before I would even lose one mm off my thighs. I think it's some kind of disorder, I read that it could be estrogen dominance.
-the ability of your body to convert calories into muscule or fat (if you convert most of your calories into muscule you will have less fat overall, including on your thighs)
-the individual variations of the fat deposition pattern
-the continuous dietary availability of the nutrients the body is hunting for
I wish I could tell you that there is a miraculous solution to lose fat on thighs, but there is not. All you can do is eat nutritionally beneficial food and enough of it, not overdo cardio to avoid shredding upper body muscle, and lift heavy to build the upper body. You can spot-increase, but not spot-reduce.
I know it sucks, but yeah....