This study presents a statistical assessment of clothed human skin model exposure from 20 to 100 GHz. Dielectric property data for two typical textile materials, i.e., cotton and wool, were provided for the first time over the entire frequency range. A statistical analysis of the ratio of absorbed power density (APD) to skin temperature elevation was performed by Monte Carlo simulations using a multi-layer skin model with a textile layer. Three key parameters, namely the angle of incidence, cross-polarization power ratio (XP R), and air gap spacing between cloth and skin surface, were considered in the dosimetry analysis. The results show that at an incidence angle up to 60 • , fluctuations of the ratio are observed by varying XP R from −50 to 50 dB. In the 20-100 GHz range, when the XP R is less than 0 dB, i.e., horizontally polarized wave is dominant, the impact on the ratio caused by either the incident angle or the air gap spacing is marginal. The deviation is increased when XP R exceeds 0 dB, i.e., vertically polarized wave is dominant, especially above 60 GHz at the incidence angles above 60 • .