A model of debris flow risk zoning is carried out with momentum analysis of debris flow. This model zones the debris flow inundation fan with density and velocity calculated by numerical simulation. The risk classification standard is determined according to the ultimate bearing capacities of different structures under impacting. And the ultimate bearing capacities are tested by impact failure experiment of destruction. Two structures typical in Chinese mountain towns, reinforced concrete frame construction and brickwork with concrete, are chosen in the experiment. The model makes debris flow risk zoning quantitative and the results comparable widely. The results differ much from that of other methods especially in the identification of medium and low risk zones.