Based on the promotion and application of green and low-carbon technology, this study aims to develop a high-safety performance cement concrete incorporating a large dosage of fly ash (FA). The safety and effect of FA content on the mechanical properties of FA composited cement were studied through compressive strength, flexural strength, and microscopic tests. The results show that when the FA replaced 20% cement, the properties of concrete were the best in this study. The flexural strengths and compressive strengths of the standard cured concrete for 28 days with 20% FA content are 0.82 MPa and 4.32 MPa larger than that of the pure cement concrete. The XRD and SEM analysis suggested that the mechanical properties of the composite cement FA system are improved significantly since the replacement of cement by FA promotes secondary hydration of calcium hydroxide in the concrete, leading to a more compact and safe interface between cement and FA.