The invention relates to an anti-laddering heat preservation fabric with the function of preventing dirt, which comprises a fabric body (1), wherein the upper surface of the fabric body is covered with a heat preservation layer (2); the upper surface of the heat preservation layer is covered with a waterproof layer (3); the surface of the waterproof is covered with a polyurethane coated layer (4); and the polyurethane coated layer is fluorine monomer waterborne polyurethane. The fabric body is made from fiber, which comprises warp yarns and weft yarns; the warp yarns and the weft yarns are interwoven to form looped pipes by crossing the weft yarns; and the looped piles are separated from each other by at least two weft yarns. According to the invention, the fabric is not easily smeared; and the fabric has good waterproof function and good ventilation effect; and the fabric provided herein has the characteristics of light weight, laddering resistance, good water-absorbing quality, softness and good touch.