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Comparison of the predicted insulation of clothing in Toruń and Koniczynka in the years 1998–2012. This paper compares the predicted insulation of clothing (Iclp) in Toruń and Koniczynka, presented using a scale of evaluation of thermal environment proposed by B. Krawczyk (2000). The annual mean value of predicted insulation of clothing in urban areas of Toruń was equal to 1.0 clo, which was 0.1 less than in the agricultural area of Koniczynka. The influence of atmospheric circulation on the Iclp index was also analysed. The study used the circulation types as classified by Niedźwiedź (1981) in the Catalogue of atmospheric circulation for the Bydgoszcz-Toruń region (Przybylak and Maszewski 2009, 2013). The frequency of occurrence of individual circulation types was examined along with their influence on the predicted insulation of clothing in different seasons of the year and in an annual course. During the year, the highest mean value of Iclp (1.4 clo in Koniczynka) corresponded to cyclonic situations with northerly advection, whereas the lowest value (0.8 clo in Toruń and Koniczynka) was observed for the anticyclonic wedge