In order to investigate the electromagnetic (EM) propagation characteristics and further get the channel models for indoor environments, a modified conformal finite-difference time-domain (CFDTD) method is introduced in this paper. Specifically, the dispersion characteristics of media are modeled by using the auxiliary differential equation (ADE) technique of the Debye model, and the EM field iterative equation is obtained by weighted-length of various media in the conformal cells for the curved structure. The proposed method is used to simulate the channels of 2.4 GHz wireless fidelity (Wi-Fi) network and 5G microcellular network, respectively, for the single-and complex multiroom scenarios. The impulse response, power delay profile and path loss exponent are extracted from the simulation data to analyze the effective ultrawideband (UWB) channel characteristics. Compared with the traditional FDTD, the proposed method has the advantage of obtaining a stable and good accuracy solution and reducing the time step without the need to solve highorder differential equations.