A multivariate K-distribution, well supported by experimental data, is proposed to model the statistics of fully polarimetric radar clutter of earth terrain. In this approach, correlated polarizations of backscattered radar returns are characterized by a covariance matrix and homogeneity of terrain scatterers is characterized by a parameter . As compared with C-, L- and P-band polarimetric SAR image simultaneously measured by Jet Propulsion Laboratory (JPL) on Mt. Shasta, it is found that appears to decrease from C- to P-band for both the forest and burned areas.