Abstract: A mathematical model, surface-particle-emulsion heat transfer model, is presented by considering voidage variance in emulsion in the vicinity of an immersed surface. Heat transfer near the surface is treated by dispersed particles touching the surface and through the emulsion when the distance from the surface is greater than the diameter of a particle. A film with an adjustable thickness which separates particles from the surface is not introduced in this model.The coverage ratio of particles on the surface is calculated by a stochastic model of particle packing density on a surface. By comparison of theoretical solutions with experimental data from some references, the mathematical model shows better qualitative and quantitative prediction for local heat transfer coefficients around a horizontal immersed tube in a fluidized bed.