The invention relates to a fluff fabric with a good heat insulation effect. The fluff fabric comprises a fabric body (1); a fine-texture fabric layer (2) is arranged at the front side of the fabric body; coarse-texture rectangular short strip cloth (3) is distributed on the fine-texture fabric layer (2); a fluff layer (4) is arranged on the back of the fabric body (1). The back of the fluff layer is compounded with a lining layer; the lining layer comprises a lining layer body formed by weaving warp yarns and weft yarns; the warp yarns and the weft yarns are interwoven into a three-top three-bottom plain structure; a jacquard layer is arranged on the upper surface of a lining layer body; a flocked layer is arranged on the upper surface of the jacquard layer; a waterproof layer is arranged on the flocked layer. Roughness of the short strip cloth and fineness of the fine-texture fabric layer complement each other; the flocked layer reinforces warmth retention of a stripe fabric. The fluff fabric disclosed by the invention has a good heat insulation effect.