Arousal and orgasm are tricky things. If you feel aroused before you touch yourself, you'll be able to orgasm much more easily. If you masturbate just because you're bored or feel like some unexciting exploration, your body might not react in a sexual way - after all, the brain is what makes or breaks most sexual encounters.
If you feel aroused and have found your clitoris, try different things and just see what feels good. Some females like direct clitoral stiumulation, and some like more indirect touching - like through the hood or just above the clitoris. It's a totally individual thing.
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