Polyurethane (PU) filling materials are typically utilized in coal mines for filling and fortification in order to guarantee safe support structures. Existing PU filling materials are prone to polymer fires, and the current method of using additives to cool them down has the problem of the additive absorbing heat in advance to weaken the PU foam wall and reduce the mechanical properties. This article addresses the problem of the mismatch between the phase change heat absorption of hydrated salts and the exothermic polymerization of PU. This article discusses the thermal delay matching of phase change materials based on the exhalation completion time of polyurethane. It then presents a method for preparing thermally delayed phase-change hydrated salt materials using thermal insulation and porous composites, which allows for the low thermal polymerization of hydrated salt phase-change composite polyurethane. Low-heat exothermic polyurethane materials offer several advantages over their original polyurethane counterparts, including a lower exothermic heat output (with a 30 °C drop in maximum central temperature), 3−4 times higher foaming volume, and a 40% decrease in smoke density grade. This paper reveals the adaptive matching mechanism between the polyurethane curing exotherm and hydrated salt phase change heat absorption. The findings have significant implications for promoting the development of mining polymer material technology.