The oxidation and degradation mechanisms of Cr coating on Zr alloy cladding under high temperature steam atmosphere are summarized. Six basic phenomena are considered for model development, including: oxidation of Cr, growth of ZrCr2, formation of Zr(Cr) solid solution, outward diffusion of Zr, reduction of Cr2O3, and volatilization of Cr2O3. The mathematical analysis model is established and validated, demonstrating its good capacity to predict the increase and subsequent decrease in the thickness of Cr2O3 scale, as well as the thickness changes in other individual layers. The developed model is applied in the analysis of the structure evolution of Cr coating under steady state, transient heating conditions and postulated accident scenarios.