I had my assessment at the gym before starting with a PT. When he took measurements he pulled tight on the measuring tape. I loved it!! LOL! I always wrap loosely. He got that I have a 33" waist around the belly button. I'm proud of my waist. It's tiny compared to the rest of me. (I carry my weight on my lower half and in the boobs) But it also makes pants difficult to fit because once they fit my hips and rear, the waist generally needs to be cinched.
But I'm proud of my 33" waist. It's an inch away from being healthy for my height. (I've read that waists should be no more than half your height.)
Along those lines, do you measure at the belly button or at the narrowest point. I've heard two inches above the belly button, and if you measure there, I DO have a healthy waist now.