This study aims to find the characteristics of the folk houses in the upper area of Seomjin river in the view point of generating housing floor plans by their human and natural elements of environment. Because they are formed differently as them and have the characteristics as the houses in the upper area of Seomjin river. Seomjin river flows from mid-west area of the Korean peninsula to the southern sea. This is about 212.3km long and the fourth in the south of the Korean peninsula. It is surrounded high mountains in the upper area and makes open field in the mid and lower area of river. The study is surveyed and analyzed to the folk houses of the middle and lower class people in the area of Seomjin river. Because they have been formed by their natural and human elements of environment gradually. They are 35 houses - 13 in Jinan-kun, 4 in Imsil-kun, 10 in Namwon city, 10 in Sunchang-kun. They are analyzed by their floor plans and their spatial relations. The result of this study is that they are made by their natural and human elements of environment. There are some houses with semi-several wings and with storage that are appeared in the mountain village. It reflects that they are surrounded by high mountains. And there are some houses with wooden floor room that are appeared in the area of river little in the area of mountain. To prevent wind from the river the houses are layouted as a form . open ㄴ type, open ㄷ type, and their wall is made of stone and planted bamboo trees around their houses.