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This article provides insights into the localized stress in a defect zone of the rolling bearings when the rolling elements pass through the defect. A dynamic finite element model of a rolling bearing with an artificial round defect in its outer raceway is solved numerically using the explicit dynamic finite element software package, ABAQUS. The maximum Mises stress and maximum contact pressure in the defect zone are obtained in the simulation. The effects of radial load, rotation speed, and initial defect size on the stress level are investigated. The results show that higher stresses are generated during the rolling balls passing through the defect. The radial load and defect size have significant effects on the stress level of defect, while low-level rotation speed has neglected effects.