Fabric-based fire-warning and flame-retardant coatings could achieve dual functions of active warning response and passive fire retardancy. In contrast to conventional fire detection systems that necessitate installation at designated locations, the contact surface between the coating sensing material and the flame is substantially augmented. Therefore, it possesses crucial application value in enhancing the warning efficiency and fire safety performance of flammable substrates. This review primarily delved into the flame retardancy and fire warning of fabric coating materials. It thoroughly examined the current research status of fabric-based flame-retardant coatings and analyzed the fire-warning mechanisms of voltage-based and resistance-based coatings. Furthermore, this comprehensive review elucidated the research and current applications of various coatings based on sensing materials such as graphene oxide, carbon nanotubes, and MXene in the fire warning and flame resistance. Additionally, it is worth noting that the current functionality of fabric-based coatings is relatively limited, necessitating the incorporation of multi-functionality to adapt to various usage scenarios. In addition, it is necessary to develop large-scale coating preparation technique to achieve commercial production and combine artificial intelligence technology to achieve higher-level fire warning and flame-resistant application. Finally, the future development trend of the fabric-based coating was prospected.