The invention discloses a functional garment with good rainproof and flame-retardant effects, the functional garment comprises a main body mechanism and an early warning mechanism, the main body mechanism comprises a flame-retardant garment, flame-retardant trousers, a reflective strip, an elastic band, a flame-retardant cap, a protection block, a mask and a first waterproof zipper, the flame-retardant garment is connected with the flame-retardant cap, the flame-retardant cap is fixedly connected with one side of the mask, the other side of the mask is connected with the flame-retardant cap through a first waterproof zipper, the early warning mechanism comprises an annular lamp holder, an early warning lamp, a lighting lamp, a waterproof flame-retardant bag, a second waterproof zipper, a buzzer, a first battery pack and a second battery pack, and the annular lamp holder is arranged on a sleeve on one side of the flame-retardant garment. According to the functional garment with the good rainproof and flame-retardant effects, the flame-retardant garment, the flame-retardant trousers and the flame-retardant cap are arranged, and the flame-retardant garment, the flame-retardant trousers and the flame-retardant cap which are made of waterproof flame-retardant fabric can protect a wearer to a certain extent, so that the wearer is conveniently prevented from being burnt, scalded and wetted accidentally, and subsequent rescue work is facilitated.