With the significant growth of seasonal loads such as agriculture and tourism，power equipment failures and power outages caused by the three-phase unbalance problem in distribution transformer areas become major challenges in the operation and maintenance of distribution networks.Therefore，it is urgent to strengthen the assessment of three-phase unbalance in distribution transformer areas.To address the problems of few evaluation indices and single weight distribution methods for three-phase unbalance in existing distribution transformer areas，a risk assessment method for three-phase unbalance in distribution transformer areas considering zero-sequence current is proposed based on the traditional three-phase unbalance evaluation method for distribution networks.First，the correlation of the severity of three-phase current unbalance with both the zero-sequence current and the three-phase current unbalance degree of the distribution network is fully considered.Then，an evaluation model for three-phase unbalance in distribution transformer areas considering zero-sequence current is established by using the improved utility theory （IUT）.Based on the analytic hierarchy process and the anti-entropy weight method，a combined weighting method is proposed to strengthen the comprehensive analysis of three-phase unbalance and zero-sequence current indices.Finally，an example is used to verify the method.The research shows that traditional single evaluation indices cannot effectively and comprehensively evaluate the three-phase unbalance degree in distribution transformer areas，while the proposed risk assessment method can better reflect the severity of three-phase unbalance in each distribution transformer area，achieving more accurate risk assessment.