The invention relates to flame-retardant and fireproof fabric, and a processing technology and textile thereof. Warp yarns adopt wool tops formed by blending flame-retardant acrylic, flame viscose, fine-denier polyester and aramid fiber 1313 fiber; weft yarns adopt wool tops formed by blending alginate fiber, polyphenylene sulfide, polysulfonamide and phenolic fiber; then the warp yarns and the weft yarns form the flame-retardant and fireproof fabric through steps of dyeing, fixation, rinsing, sizing, weaving, desizing, rinsing, drying, baking, full decatizing and the like. The fabric has the characteristics of simple processing technology, good flame-retardant effect and the like, and can be applied to apparel, home textile, sports goods, medical care and fireproof fabric.