Floor radiant heating system has many advantages, energy and space saving, for example. The radiant floor is the radiator of floor radiant heating system, and its thermal parameters influence surface temperature distribution and comfort. In this paper, mathematical model of heat exchange coil under floor was established, and boundary heat transfer conditions were given. Based on these, surface temperature of different covering layer was calculated. According to the results, using different covering layer, the floor surface temperature has a great difference. Using wooden floor as cover material, the floor surface temperature is more moderate and uniform.