The reactor pressure vessel is usually cladded with stainless steel to prevent corrosion and radiation embrittlement. Number of subclad cracks may be found during an in-service-inspection due to the presence of cladding. It is specified, in ASME Sec. XI, that a subclad crack is characterized as a surface crack when the thickness of the clad is less than 40% of the crack depth. This condition is provided to keep the crack integrity evaluation conservative. In order to refine the fracture assessment procedures for such subclad cracks under a pressurized thermal shock condition, three dimensional finite element analyses are applied for various subclad cracks existing under cladding. A total of 36 crack geometries are analyzed, and the results are compared with those for surface cracks. The resulting stress intensity factors for subclad cracks are 6 to 44% less than those for surface cracks. It is proven that the flaw characterization condition as specified in ASME Sec. XI can be overly conservative for some subclad cracks.