This study empirically examines how much effect levels of fatigue and stress of a construction worker have on disaster risks from the perspective of human factors concerning construction disaster risks. To achieve the purpose of this study, a survey was conducted with respect to construction workers working at large construction sites within the metropolitan area. The retrieved survey data were analyzed by using the statistical software programs, SPSS 18.0 and AMOS 8.0. The results of this study do not definitively lead to the conclusion that the level of fatigue or stress of construction workers result in disaster risks. However, it does show that the results vary depending upon the individual approach and treatment of stress and fatigue. In particular, this study revealed that disaster risk levels could increase through unsafe behavior intentions which were established as a mediator variable. Also, with respect to unsafe behavior intentions of construction workers leading to disaster risks, when examining the results that the level of mental fatigue, occupational stress and social-psychological stress of construction workers had a greater significant effect than the level of physical fatigue, this study demonstrates the importance of psychological and mental issues that could be easily overlooked with respect manual labor workers.