I found this link very useful for those of us operating a radio with an indoor antenna or in close proximity to any antenna and high power output. High power stations are required to perform these calculations. I recommend all amateurs review their exposure. Its quick to calculate with the link below. For example, In my apartment, 14W is maximum recommended output power (on 144 and 444 MHz) when I’m 6 feet away from my indoor vertical antenna.
ARRL RF Exposure page has more detail about FCC station testing requirements and suggested steps to protect yourself and others from the RF emitted from your station.