Surface fuel loading is a key factor in controlling wildfires and planning sustainable forest management. Spatially explicit maps of surface fuel loading can highlight the risks of a forest fire. Geospatial information is critical in enabling careful use of deliberate fire setting and also helps to minimize the possibility of heat conduction over forest lands. In contrast to lidar sensing and/or optical sensing based methods, an approach of integrating in-situ fuel inventory data, geospatial interpolation techniques, and multiple linear regression methods provides an alternative approach to surface fuel load estimation and mapping over mountainous forests. Using a stratified random sampling based inventory and cokriging analysis, surface fuel loading data of 120 plots distributed over four kinds of fuel types were collected in order to develop a total surface fuel loading model (lntSFL-BioTopo model) and a fine surface fuel model (lnfSFL-BioTopo model) for generating tSFL and fSFL maps. Results showed that the combination of topographic parameters such as slope, aspect, and their cross products and the fuel types such as pine stand, non-pine conifer stand, broadleaf stand, and conifer–broadleaf mixed stand was able to appropriately describe the changes in surface fuel loads over a forest with diverse terrain morphology. Based on a cross-validation method, the estimation of tSFL and fSFL of the study site had an RMSE of 3.476 tons/ha and 3.384 tons/ha, respectively. In contrast to the average loading of all inventory plots, the estimation for tSFL and fSFL had a relative error of 38% (PRMSE). The reciprocal of estimation bias of both SFL-BioTopo models tended to be an exponential growth function of the amount of surface fuel load, indicating that the estimation accuracy of the proposed method is likely to be improved with further study. In the regression modeling, a natural logarithm transformation of the surface fuel loading prevented the outcome of negative estimates and thus improved the estimation. Based on the results, this paper defined a minimum sampling unit (MSU) as the area for collecting surface fuels for interpolation using a cokriging model. Allocating the MSUs at the boundary and center of a plot improved surface fuel load prediction and mapping.