The utility model relates to an inflaming retarding garment with a water mat. The inflaming retarding garment comprises a garment body (4). The water mat (2) is sewn on the rear lower hem of the garment body (1). Cloth is arranged on the periphery of the water mat (2) and a sealing mat (3) is arranged in the middle of the water mat (2) and filled with water. A knob (4) is arranged on the place opposite to a seam between the water mat (2) and the garment body (1). A button (5) is arranged on the rear waist of the garment body. The garment body is made of shell fabric. The shell fabric is woven by warp yarn and weft yarn. The warp yarn is composed of cotton yarn. The weft yarn is composed of inflaming retarding polyester filament yarn. According to the inflaming retarding garment with the water mat, the effect of lowering the temperature is achieved and the garment is convenient to carry. The shell fabric of the inflaming retarding garment is flexible, comfortable, breathable, permeable to moisture and free of pungent smells and has the good inflaming retarding performance.