This paper reports a study into the effect of nanoclays on the water-resistance of the intumescent system ammonium polyphosphate/melamine/pentaerythritol/titanium dioxide/polymer (ethylene vinyl acetate (EVA) or styrene acrylate (SA). It has been established that adding nanoclay to a coating based on ethylene vinyl acetate increases the fire resistance limit of a metal plate by 30 %, and to a coating based on styrene acrylate – by 50 %. At the same time, coatings that include the EVA polymer are characterized by greater fire-retardant efficiency and less water resistance than coatings containing the SA polymer. It has been shown that intumescent coatings, regardless of the nature of the polymer, under the conditions of 80 % humidity over 800 days their reduce fire-protective properties by an average of 10 %. The loss of coating fire resistance occurs due to the leaching of pentaerythritol, ammonium polyphosphate, and polymer degradation by hydrolysis. The admixtures of nanoclays with a high degree of exfoliation to the studied system create a barrier effect and maximize the chemical formulation of the intumescent coating. The fireproof properties of coatings with organically-modified montmorillonite admixtures are maintained or reduced to 5 % under the conditions of 80 % humidity over 800 days. It has been determined that the direct effect of water on the coating over a period of more than 2 days leads to a significant decrease in the swelling coefficient of intumescent coatings, regardless of the content of a nanoclay admixture in their composition. At the same time, the half-decay period of coatings without nanoclay, calculated on the basis of solubility constant in water, is 0.5 days. For coatings, which include the admixtures of organically-modified nanoclays, the half-decay period increases to 2 days. The results reported in this paper could be recommended for designing water-proof fire-resistant reactive-type nano-coatings with prolonged service life.