In order to ensure the safety of navigation in a bridge area, and based on the theory of the safety potential field, a method of ship safety assessment and early warning in an inland river bridge area is proposed. Firstly, the risk elements associated with ship collisions in a bridge area are classified. Secondly, these risks are quantified using the potential energy field, the boundary potential field and the behavioural field, and then the ship state under the influence of wind flow, predicted by the Kalman filter, is quantified using the kinetic energy field. Then, the above four potential energy fields are merged to obtain a superposition field, and the magnitude of the instantaneous risk in the bridge area is obtained based on its magnitude. Finally, the change of field strength values under different moments is used for early warning. The results of the simulation of a ship passing through the piers of the Baijusi Bridge show that the model can effectively quantify the risk of a ship–bridge collision in the inland bridge area and provide real-time warning of the risk of a ship–bridge collision in the bridge area, which is of great significance for improving the safety of the inland bridge area.