A two-dimensional frequency-domain finite-difference (FDFD) model was developed on the basis of the classical finite-difference principle for a pipe-embedded concrete radiant floor to predict its frequency thermal responses. In the meantime, a CFD for this floor was also developed for this floor by using a reference model. The calculated frequency thermal responses of the floor by using FDFD model at typical frequency points were expressed in the form of amplitude and phase lag in time domain, and were then compared with the results by using CFD model. The results indicate that the FDFD model can predict the thermal characteristics accurately. The FDFD model was used to predict the frequency thermal characteristics of the pipe-embedded concrete radiant floor with insulation of different thicknesses, and the effects of the insulation thickness on the thermal responses of the pipe-embedded concrete radiant floor were analyzed and presented. The results indicate that the effect of the insulation thickness on the heat transfer of the floor is obvious in low frequency range while not obvious in high frequency range. Even if the thickness of the insulation is 40mm, the heat loss from the bottom surface of the floor constitutes about 16% of the heat transfer on the pipe surface and cannot be neglected.