This study is to assess the reduction of non-point source pollution loads for rice straw surface covering of upland crop cultivation at a watershed scale. For Byulmi-cheon watershed ($1.21km^2$) located in the upstream of Gyeongancheon, the HSPF (Hydrological Simulation Program-Fortran), a physically based distributed hydrological model was applied. Before evaluation, the model was calibrated and validated using 9 rainfall events. The Nash-Sutcliffe model efficiency (NSE) for streamflow was 0.62~0.78 and the NSE for water quality (Sediment, T-N, and T-P) were 0.68, 0.60, and 0.58 respectively. From the field experiment of 16 rainfall events, the rice straw covering reduced surface runoff average 10 % compared to normal surface condition. By handling infiltration parameter (INFILT) in the model, the value of 16.0 mm/hr was found to reduce about 10 % reduction of surface runoff. For this condition, the reduction effect of Sediment, T-N, and T-P loads were 87.2, 28.5, and 85.1 % respectively. The rice straw surface covering was effective for removing surface runoff dependent loads such as Sediment and T-P.