The invention discloses a normal temperature self-crosslinked fluoro-containing polyacrylic acid microemulsion and its preparing process, wherein the microemulsion comprises the constituents of (methyl) acrylic ester, alkenyl carboxylic acid, alkenyl linking agent, ethenyl aromatic compound, alkenyl fluoro-containing alkyl ester, other olefins unsaturated monomer, initiating agent, buffering agent, emulsifying agent, neutralization agent and water. The preparation process comprises making seed emulsion under oxidation and reduction initiation system, then employing semi-continuous polymerization process to prepare the fluoro-containing polyacrylic acid microemulsion with good polymerization stability, small particle size, low film coating surface tension, and strong adhesion.