Action of electromagnetic radiation exerting on human body has been a concerned issue for people. Because electromagnetic waves could generate an electric stress in a discontinuous medium, we used the finite difference time domain (FDTD) as calculation methods to calculate the electric stress and its distribution in human head caused by high-frequency low-power electromagnetic environment, which was generated by dual-band (900 MHz and 1 800 MHz) PIFA antennas with radiated power 1 W, and we then performed the safety evaluation of cell phone radiation from the angle whether the electric stress further reached the human hearing threshold. The result showed that there existed the electric stress at the interface of different permittivity organization caused by the two kinds of high-frequency low-power electromagnetic environment and the maximum electric stress was located at the interface between skin and air of the phone side, and the electric stress peak at skull did not reach the threshold of auditory caused by bone tissue conduction so that it can not produce auditory effects.