The invention belongs to the technical field of textile materials, and particularly relates to a shape memory alloy flame-retardant fabric. The shape memory alloy flame-retardant fabric comprises flame-retardant yarn and shape memory yarn, the shape memory yarn comprises shape memory alloy fiber or composite yarn taking the shape memory alloy fiber as core yarn, the high temperature phase shape of the shape memory alloy fiber is a sine curve shape, the low temperature phase shape of the shape memory alloy fiber is a long straight fiber shape, the shape memory yarn and the flame-retardant yarn are interwoven in a tabby mode, and the shape memory yarn is woven by serving as weft yarn. In a high temperature environment, the fabric can spontaneously generate deformation, due to the fact that more gaps are generated by the curve shape, an air layer with the certain thickness can be formed in the fabric layer, and then the thermal insulation performance is improved; in a conventional environment, the fabric can be recovered to be in the initial flat state, and then the heat dissipation effect is enhanced.