Failing Ab training

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Just made an account here, so I don't know if I came to the right place for exercise/work-out information, maybe I missed it, but I couldn't find a forum dedicated to strength or endurance training. I'm 17, and have recently gotten pretty serious about being active. I'm just about 6 feet tall and I weigh in constantly fluctuating between 185-190. I'm almost done with the Insanity workout program and before that I ran and lifted weights avidly. I busted out the measuring tape and did a body fat calculation and felt pretty good about 7% body fat. However, this also got me thinking, why do I have like no abs? It seems like lazier athletes in the locker room who eat junk food and play video games have more definition in their core than I do. I'd say my body is well built, but my abs appear about 3 months of training behind the rest of my body. Conventional sit-ups, crunches, and bicycles kicks tend to hurt my lower back. So I try to do flutter kicks, planks, pushups, just home workout moves in my free time. This is not including the insanity workouts I've been doing 5 times a week for almost two months, which gets good credit for cardio, abs, and fat-burning.
After all that not so necessary information, What I'm getting at, is if my body is at a solid 7% BF percentage and I still have rolls when I lean over to grab something, my body must be storing a significantly larger amount of fat in my gut than anywhere else. I don't eat fast food or candy, I don't drink soda, I don't smoke, and I make a pretty consistent effort to avoid unhealthy foods in general. So what I'm asking is...

1) Are there workouts that can target the burning of stomach fat or must it come through cardiovascular exercise?
2) Are there any foods and drinks known to especially hinder/help in core exercise?
3) If your body is distributing a greater amount fat to your stomach than elsewhere in your body, are there any little diet/exercise habits to even out fat distribution?

Since I took the time to write that, assume I'm knowledgeable enough to know Lean proteins are good, high fat and sugar is bad, and all the obvious tips people usually hear.

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