Based on Biot linear elastic theory, we established constitutive equations of interaction between fluid. A rock and virtual element method was employed to solve the discrete seepage equations. Meanwhile, in a continuous damage model, a damage factor was introduced and corresponding failure criterion was established to describe quantitatively the fracture propagation. Furthermore, influence factors of fracture-flooding in a low permeability reservoir were investigated in typical well patterns. It shows that the coupled method simulates fracture propagation effectively during the fracture-flooding process. It also revealed that large water injection improves effectively oil-water seepage capacity in the matrix, expands the water flooding area, and improves significantly recovery rate of the well pattern. Additionally, fracture-flooding activates quickly the nature fracture system in the formation of an effective propagation system. Early fracture-flooding maintains a higher formation pressure, increases the cumulative oil production and reduces the rate of decline in production, thereby improving the ultimate recovery rate of the reservoir.