The composite laminate embedded with piezoelectric lead zirconate titanate (PZT-5A) synthesizes the functional characteristics of a sensor such as damage monitoring and actuation. However, for composite laminates, PZT components belong to foreign impurities, which may destroy the integrity of the structure and damage the mechanical properties of the structure to some extent. In order to ensure the safety and reliability of the structure, this study revealed the influence of composite laminates embedded with PZT components on the flexural property through experiments and simulations. In the simulation, the shape of the resin enrichment zone was considered in combination with experimental observation. The results show that the error in the numerical prediction was less than 5%. Based on the particle swarm optimization (PSO) algorithm, the approximate symmetric layout of PZT in the laminate is obtained, which can reduce the influence of embedding on the bending performance of the structure. These results can provide reference and research ideas for the mechanical properties analysis of piezoelectric ceramic embedded structures.