The invention discloses a flame-retardant coating fabric high in moisture-penetrability. The flame-retardant coating fabric high in moisture-penetrability comprises a first base coating and a second base coating, wherein the first base coating is obtained by drying a sizing agent which is prepared from the following components in parts by mass: 100 parts of polyurethane resin, 38-42 parts of bromoethane, 19-21 parts of diantimony trioxide, 4.5-5.5 parts of zinc borate, 4-5 parts of a bridging agent, 1.6-2 parts of an accelerant, 1.4-1.6 parts of a washable agent and 9-11 parts of phosphate ester flame-retardant oil. The second base coating is obtained by drying a sizing agent which is prepared from the following components in parts by mass: 100 parts of polyurethane resin, 38-42 parts of bromoethane, 19-21 parts of diantimony trioxide, 4.5-5.5 parts of zinc borate, 4-5 parts of the bridging agent, 1.6-2 parts of the accelerant, 1.4-1.6 parts of the washable agent and 9-11 parts of phosphate ester flame-retardant oil. The flame-retardant coating fabric high in moisture-penetrability is small in smoke generation quantity, free of molten drop, high in flame-retardant effect and highly washable; the flame-retardant substance has a small possibility of hydrolyzing.