The invention provides a water area and on-ice rescue protective garment for fire protection. The protective garment comprises a protective garment body and a warm-keeping inner layer, the protectivegarment body comprises an upper garment, trousers and foot sleeves which are integrated, the protective garment body is made of a waterproof and breathable composite fabric, and the waterproof and breathable composite fabric is formed by sequentially bonding and laminating a main body fabric, a hydrophobic, oleophobic and antifouling coating, a PTFE film and a nylon comfortable layer from outsideto inside; the warm-keeping inner layer is composed of a split type warm-keeping fiber knitted jacket and a pair of warm-keeping fiber knitted trousers. Meanwhile, the protective garment body is provided with a thickened wear-resistant layer, an exhaust valve, a belt loop, a pocket, a reflective marking belt, a lifesaving dragging belt and other structures. The protective garment disclosed by theinvention has the functions of water resistance, oil resistance, fouling resistance, air permeability, warm keeping and the like, can meet the actual requirements of fire rescue in water areas, ice and other scenes, is high in comfort, long in service life and convenient to put on and take off, facilitates the hanging of rescue tools and the identification of the position of rescue personnel, andcan effectively guarantee the safety of the rescue personnel.