The invention discloses a fire-resistant and flame-retardant fabric and a preparation process thereof. The fire-resistant and flame-retardant fabric is a double-layer structure comprising an outer fire-resistant fiber layer and an inner heat insulation layer respectively. The fire-resistant fiber layer and the heat insulation layer are compounded and formed by hot pressing through an adhesive. Thefire-resistant fiber layer is formed by mixing and weaving aluminum silicate fiber and zirconium oxide fiber, the heat insulation layer is formed by mixing and weaving chitin fiber, polyurethane fiber and ceramic fiber, and a flame retardant film layer is sprayed on both surfaces of the heat insulation layer. The fire-resistant flame-retardant fabric adopts a double-layer design, namely the fire-resistant fiber layer and the flame-retardant layer; when the fire-resistant fiber layer has a flame-retardant effect, the flame-retardant layer which is mutually attached to the fire-resistant fiberlayer can play a heat-conducting role of isolating heat waves, and the heat conductivity is low, so that the burning of users caused by the burning heat waves can be directly reduced; and meanwhile, the porosity of the flame-retardant layer can be effectively ventilated.