The invention discloses double-layer flame-retardant fabric with a water-repellent surface layer and a hydrophil inner layer, and a preparation technology thereof. The double-layer flame-retardant fabric comprises the surface layer and the inner layer, wherein the surface layer is composed of at least one of aramid fibers, polyimide fibers, polysulfonamide fibers, flame-retardant viscose and ; the inner layer is formed by mixing flame-retardant modacrylic fibers with chloride, Tencel fibers and partner fibers, and the partner fiber is one selected from flame-retardant nylon fibers, aramid fibers and polysulfonamide fibers; water-repellency of the surface layer is implemented by the technology comprising the steps of preparing three proofing auxiliary size, soaking surface layer yarn into the three proofing auxiliary size, drying with high temperature, weaving and hot rolling with rollers; and water absorption of the inner layer is implemented by the technology comprising the steps of preparing hydrophil and sweat-releasing auxiliary size, soaking inner layer yarn into the size, drying, weaving and decating. The double-layer flame-retardant fabric with the water-repellent surface layer and the hydrophil inner layer has the characteristics of being soft, comfortable, air and moisture permeable and skin-friendly, has multifunctional protection performance, and meanwhile is high in comfort, so as to be applicable to special protection clothing in industries of firefighting, military police, electric power and smelting.