School age children are particularly susceptible to exposure to ambient fine particle (PM2.5). To provide insight into factors affecting variability in ambient PM2.5 exposure, distributions of daily PM2.5 exposures for school age children are estimated for four seasons in three climatic zones of the United States using a stochastic microenvironmental exposure model, based on ambient concentration, air exchange rate, penetration factor, deposition rate, census data, meteorological data, and time pattern data. Estimated daily individual exposure varies largely among seasons, regions, and individuals. The mean ratio of ambient exposure to ambient concentration (Ea/Ca) ranges from 0.46 to 0.61 among selected regions and seasons, resulting from differences in air exchange rate. The individual Ea/Ca varies by a factor of 2 to 3 over a 95% frequency range among simulated children, resulting from variability in children's time patterns. These patterns are similar among age groups, but vary with the day of the week and outdoor temperature. Variability in exposure is larger between individuals than between groups. The high end ratio of the Ea/Ca, at the 95th percentile of inter-individual variability, is 30% to 50% higher than the mean Ea/Ca ratio. Results can be used to intepret and adjust exposure errors in epidemiology and to assist in development of exposure mitigation strategies.