Human exposure to radio frequency (RF) electromagnetic energy is known to result in tissue heating and can raise temperatures substantially in some situations. Standards for safe exposure to RF do not reflect bio-heat transfer considerations however. Thermoregulatory function (vasodilation, sweating) may mitigate RF heating effects in some environments and exposure scenarios. Conversely, a combination of an extreme environment (high temperature, high humidity), high activity levels and thermally insulating garments may exacerbate RF exposure and pose a risk of unsafe temperature elevation, even for power densities which might be acceptable in a normothermic environment. A high-resolution thermophysiological model, incorporating a heterogeneous tissue model of a seated adult has been developed and used to replicate a series of whole-body exposures at a frequency (100 MHz) which approximates that of human whole-body resonance. Exposures were simulated at three power densities (4, 6 and 8 mW cm(-2)) plus a sham exposure and at three different ambient temperatures (24, 28 and 31 °C). The maximum hypothalamic temperature increase over the course of a 45 min exposure was 0.28 °C and occurred in the most extreme conditions (T(AMB) = 31 °C, PD = 8 mW cm(-2)). Skin temperature increases attributable to RF exposure were modest, with the exception of a 'hot spot' in the vicinity of the ankle where skin temperatures exceeded 39 °C. Temperature increases in internal organs and tissues were small, except for connective tissue and bone in the lower leg and foot. Temperature elevation also was noted in the spinal cord, consistent with a hot spot previously identified in the literature.