The invention discloses a ship thermal characteristic numerical simulation method. The method belongs to the field of thermal characteristic simulation, and specifically comprises the steps of 1, dividing ship model grids, 2, establishing a ship thermal characteristic mathematical model, 3, solving a grid unit thermal balance equation, and 4, processing a numerical calculation result. Performing temperature or heat flux density assignment on each grid unit of the ship body model to obtain the temperature or heat flux density distribution condition of the whole ship; according to the ship thermal characteristic numerical simulation method provided by the invention, the thermal influence of multiple factors such as direct solar radiation, scattered solar radiation, sky radiation, sea surface radiation, sea surface reflection, external radiation of the ship body, external convective heat transfer and internal convective heat transfer on the ship body is comprehensively considered; the temperature and heat flux density distribution condition of the outer surface of the ship body can be predicted in advance, and compared with most of existing commercial software, the numerical simulation method can obtain a more accurate thermal characteristic calculation result.