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The invention belongs to the technical field of polyurethane, and discloses a washable weather-resistant flame-retardant waterborne polyurethane finishing agent as well as a preparation method and application thereof. The preparation method comprises the following steps: adding functional additives (modified silicon carbide, a flame retardant, a free radical scavenger, epoxy resin and a chain extender) into a polyurethane prepolymer for reaction; then adding aliphatic diamine to carry out an end capping reaction, adding water to carry out phase inversion, and then adding a polyacrylate emulsion and a plasticizer to carry out emulsification. Through the synergistic interaction of the epoxy resin, the silane coupling agent modified silicon carbide and the polyacrylate, the flame-retardant waterborne polyurethane is endowed with excellent washing resistance.