In this study, FVM (Finite Volume Method) which is one of the 2-dimensional numerical approach has been conducted to anticipate the temperature distribution between skin and clothes by the change of air temperature and fabric characteristics including fabric thickness. Several experimental works have been done to understand the thermal insulation effect (If fabrics on a human body by measuring the averaged temperature in the air layer between skin and clothes or by measuring the thermal resistance of fabrics. However, the formal method is inconvenient to measure the temperature distribution in the air layer to evaluate the insulation rate of the clothes on the skin because the real size of the clearance between skin and the clothes is too small to place the temperature sensor, and in the Tatter method the relationship between human body and the fabrics are ignored. However, the numerical method will be very effective and economical way to evaluate the insulation efficiency of clothes when the computational result is in the reliable range. As the result of this study, the temperature change in the sir layer between skin and clothes was linear to the fabric thickness and this result coincides with many previous experimental results. Moreover, it is possible to predict the optimum fabric thickness for the best thermal insulation in the air layer between skin and clothes.