The invention relates to a fireproof bacteriostatic aqueous terrace paint used for bus and a preparation method and an application thereof. The paint comprises the following raw materials: an aqueousepoxy emulsion, a curing agent, a cosolvent, organic silicone powder, nano alumina, nano zirconia, nano negative ion powder, a fire retardant, nano zinc oxide, silica sol, a pigment, a pH conditioningagent, an antifoaming agent, a film-forming auxiliary agent, a dispersant, a base material wetting agent, deionized water, and a thickening agent. The preparation method is characterized in that theraw materials excepting the curing agent, the cosolvent and 1/3-1/2 formula amount of the deionized water are prepared to obtain a component A, the curing agent, the cosolvent and 1/3-1/2 formula amount of the deionized water are prepared to obtain a component B, before use, the component A and the component B are mixed to obtain the product. The VOCs content of the paint is low, and a coating hasgood light resistance, chemically-resistant performance, flame resistance and hardness, and the paint has bacterinertness and air cleaning performance, and is suitable for the bus.