What does it mean when I touch the top of my belly button it hurts, but when I don't touch it doesn't hurt? Could it be something serious?

Several things. Very localized pain at the top of your belly button could mean a small abscess (pimple). Is there any redness? Could be a small umbilical hernia. (Is there any puffiness?) If this has been going on for a long period of time, is is associated with other symptoms? Diarrhea,etc.? Most umbilical pain is related to bowel disorders, kidney disorders, infections, etc. Some can be serious. Check with Dr.