diff --git a/backend/.gitignore b/backend/.gitignore
index b017271..1ade2aa 100644
--- a/backend/.gitignore
+++ b/backend/.gitignore
@@ -47,6 +47,7 @@ bin/
 
 # 문서 폴더
 /docs/
+/scripts/
 # 로컬 전용 분석 워크플로 API 명세
 /analysis-workflow-api-spec.md
 
diff --git a/backend/src/main/java/com/secondzip/backend/report/domain/ReportFraudType.java b/backend/src/main/java/com/secondzip/backend/report/domain/ReportFraudType.java
index 62538d9..39be120 100644
--- a/backend/src/main/java/com/secondzip/backend/report/domain/ReportFraudType.java
+++ b/backend/src/main/java/com/secondzip/backend/report/domain/ReportFraudType.java
@@ -23,6 +23,6 @@ public class ReportFraudType {
     private Long analysisReportId;
     private FraudType fraudType;
 
-    /** 세부 3개 중 최악값. */
+    /** 세부 판정들을 개수 기반으로 집계한 유형 대표값. */
     private RiskLevel riskLevel;
 }
diff --git a/backend/src/main/java/com/secondzip/backend/report/dto/FraudTypeResultDTO.java b/backend/src/main/java/com/secondzip/backend/report/dto/FraudTypeResultDTO.java
index 3e9bd35..ca0c163 100644
--- a/backend/src/main/java/com/secondzip/backend/report/dto/FraudTypeResultDTO.java
+++ b/backend/src/main/java/com/secondzip/backend/report/dto/FraudTypeResultDTO.java
@@ -12,6 +12,6 @@
 @AllArgsConstructor
 public class FraudTypeResultDTO {
     private FraudType fraudType;
-    private RiskLevel riskLevel;        // 세부 3개 중 최악값
+    private RiskLevel riskLevel;        // 세부 판정들을 집계한 유형 대표값
     private List<DetailResultDTO> details; // 세부 3개
-}
\ No newline at end of file
+}
diff --git a/backend/src/main/java/com/secondzip/backend/report/dto/RiskAggregation.java b/backend/src/main/java/com/secondzip/backend/report/dto/RiskAggregation.java
index 087d79f..9ae83f0 100644
--- a/backend/src/main/java/com/secondzip/backend/report/dto/RiskAggregation.java
+++ b/backend/src/main/java/com/secondzip/backend/report/dto/RiskAggregation.java
@@ -9,6 +9,7 @@
 public final class RiskAggregation {
 
     private static final int CHECK_DANGER_THRESHOLD = 3;
+    private static final int OVERALL_DANGER_THRESHOLD = 3;
 
     private RiskAggregation() {
     }
@@ -17,6 +18,21 @@ public static RiskLevel aggregateChecks(List<JudgementDTO> judgements) {
         return aggregate(judgements, CHECK_DANGER_THRESHOLD);
     }
 
+    /**
+     * 필수점검 대표값 1개와 사기 유형 대표값 3개를 최종 집계한다.
+     * DANGER가 하나라도 있거나 CAUTION이 3개 이상이면 DANGER다.
+     */
+    public static RiskLevel aggregateOverall(List<RiskLevel> levels) {
+        if (levels == null) {
+            return RiskLevel.SAFE;
+        }
+
+        return RiskLevel.aggregateByCount(
+                levels.stream().filter(Objects::nonNull).toList(),
+                OVERALL_DANGER_THRESHOLD
+        );
+    }
+
     public static RiskLevel aggregateDetails(List<JudgementDTO> judgements) {
         List<JudgementDTO> values = validValues(judgements);
 
@@ -65,4 +81,4 @@ private static List<JudgementDTO> validValues(
                 .filter(Objects::nonNull)
                 .toList();
     }
-}
\ No newline at end of file
+}
diff --git a/backend/src/main/java/com/secondzip/backend/report/dto/RiskEvaluationResultDTO.java b/backend/src/main/java/com/secondzip/backend/report/dto/RiskEvaluationResultDTO.java
index 860d046..27fceb5 100644
--- a/backend/src/main/java/com/secondzip/backend/report/dto/RiskEvaluationResultDTO.java
+++ b/backend/src/main/java/com/secondzip/backend/report/dto/RiskEvaluationResultDTO.java
@@ -8,7 +8,7 @@
 // 위험 분석 결과
 @Getter
 public class RiskEvaluationResultDTO {
-    private final RiskLevel overallRiskLevel;             // 필수 5 + 유형 3 중 최악값
+    private final RiskLevel overallRiskLevel;             // 필수점검 대표값 1개 + 유형 대표값 3개의 개수 기반 집계
     private final List<CheckResultDTO> checkResultDTOS;          // 필수 5개
     private final List<FraudTypeResultDTO> fraudTypeResultDTOS;   // 유형 3개 (각각 세부 3개 포함)
 
@@ -49,4 +49,4 @@ public RiskEvaluationResultDTO(
     ) {
         this(overallRiskLevel, checkResultDTOS, fraudTypeResultDTOS, null, null, null);
     }
-}
\ No newline at end of file
+}
diff --git a/backend/src/main/java/com/secondzip/backend/report/service/RiskEvaluationService.java b/backend/src/main/java/com/secondzip/backend/report/service/RiskEvaluationService.java
index 3b4bd49..ad89048 100644
--- a/backend/src/main/java/com/secondzip/backend/report/service/RiskEvaluationService.java
+++ b/backend/src/main/java/com/secondzip/backend/report/service/RiskEvaluationService.java
@@ -20,7 +20,7 @@
 /** 위험도 판단 순서
  1. 필수점검 5개 판정 → 개수기반 집계로 대표값 1개
  2. 유형별 세부 9개 판정 (3개씩) → 개수기반 집계로 유형 대표값 3개
- 3. [필수점검대표값, 유형1, 유형2, 유형3] 4개 중 최악값 = 전체 결과
+ 3. 대표값 4개 중 DANGER 1개 또는 CAUTION 3개 이상이면 전체 DANGER
  **/
 
 @Service
@@ -125,11 +125,11 @@ public RiskEvaluationResultDTO evaluate(RegistryData registry, BuildingData buil
         fraudTypeResultDTOS.add(buildRightsConcealment(registry, building));
         fraudTypeResultDTOS.add(buildTrustPropertyFraud(registry));
 
-        // ===== 3. 전체 결과 = [필수점검최종, 유형1, 유형2, 유형3] 4개 중 최악값 =====
+        // ===== 3. 전체 결과 = 대표값 4개 중 DANGER 1개 또는 CAUTION 3개 이상이면 DANGER =====
         List<RiskLevel> topLevels = new ArrayList<>();
         topLevels.add(checkOverall);
         fraudTypeResultDTOS.forEach(f -> topLevels.add(f.getRiskLevel()));
-        RiskLevel overall = RiskLevel.worstOf(topLevels);
+        RiskLevel overall = RiskAggregation.aggregateOverall(topLevels);
 
         return new RiskEvaluationResultDTO(
                 overall,
diff --git a/backend/src/test/java/com/secondzip/backend/report/service/RiskEvaluationServiceTest.java b/backend/src/test/java/com/secondzip/backend/report/service/RiskEvaluationServiceTest.java
index 91e58ad..2d1bdec 100644
--- a/backend/src/test/java/com/secondzip/backend/report/service/RiskEvaluationServiceTest.java
+++ b/backend/src/test/java/com/secondzip/backend/report/service/RiskEvaluationServiceTest.java
@@ -273,6 +273,49 @@ void cleanApartmentIsSafeOverall() {
         );
     }
 
+    @Test
+    @DisplayName("필수점검과 유형 대표값 중 CAUTION이 3개면 전체 결과가 DANGER다")
+    void threeCautionRepresentativesEscalateOverallToDanger() {
+        RegistryData registry = cleanRegistry();
+        registry.setMortgageAmount(40_000_000L);
+
+        BuildingData building = cleanApartment();
+        building.setBuildingUse("공동주택(아파트)");
+        building.setBuildingLevelNonResidentialUses("근린생활시설");
+
+        RiskEvaluationResultDTO evaluation = service.evaluate(
+                registry,
+                building,
+                price(450_000_000L),
+                315_000_000L,
+                "서울특별시 성동구 왕십리로 410"
+        );
+
+        RiskLevel checkOverall = RiskAggregation.aggregateChecks(
+                evaluation.getCheckResultDTOS().stream()
+                        .map(result -> new JudgementDTO(
+                                result.getRiskLevel(), result.getDataStatus()))
+                        .toList()
+        );
+        List<RiskLevel> representatives = List.of(
+                checkOverall,
+                evaluation.getFraudTypeResultDTOS().get(0).getRiskLevel(),
+                evaluation.getFraudTypeResultDTOS().get(1).getRiskLevel(),
+                evaluation.getFraudTypeResultDTOS().get(2).getRiskLevel()
+        );
+
+        assertEquals(
+                List.of(
+                        RiskLevel.CAUTION,
+                        RiskLevel.CAUTION,
+                        RiskLevel.CAUTION,
+                        RiskLevel.SAFE
+                ),
+                representatives
+        );
+        assertEquals(RiskLevel.DANGER, evaluation.getOverallRiskLevel());
+    }
+
     @Test
     @DisplayName("1층이 근린생활시설인 정상 다세대는 위험이 아니라 주의로 남긴다")
     void residentialUnitInMixedUseBuildingIsCautionNotDanger() {