Various people from different professions like military personnel, rescue servicemen and industrial workers working under different types of heat source require utmost care regarding the safety and thermophysical comfort while working. The effect of different properties of the protective clothing of these professionals is studied by researchers from all around the world. It is seen that among other properties, optical properties of the fabric affect the protective performance of the clothing. In the current study, a numerical model was developed using finite difference method to find a temperature profile in a system of multi-layered fabric along with air gap and the skin; and thermal damage was calculated for this profile. A study was done to find the effect of optical properties of the fabric (reflectivity) on the protective performance of the same for different location of the human skin. Pennes bioheat transfer model is being used as the heat transfer equation for the human skin. The variation of the various thermophysical and thermophysiological parameters of the skin and blood according to the body location is considered during the study. The extent of thermal damage is calculated using the Henriques burn model and Beer’s law is used to consider the porosity of the fabric. It is seen that the reflectivity of the fabric has an effect on the temperature profile along with the location of body where the skin is considered. The outcomes of this present investigation helps to choose different optical properties of the fabric in designing the protective clothing that provides better protection to the different body locations of the firefighters against radiant heat flux. It is seen that torso is the least heat-affected zone followed by the legs and then the arms are the most affected body location. Reflectivity of the fabric is seen to have maximum effect on the arms, then legs and at last the torso.