In this paper, we comprehensively consider the scientific meaning and basic characteristics of terrain complexity, and evaluate the seabed terrain complexity in Arctic. So as to make up for the deficiency that a single terrain feature parameter is difficult to describe the spatial relationship of seabed terrain individuals, we select several suitable terrain feature parameters on the regular grid scale. On this basis, adaptation zones with different complexity are formed by designing segmentation of the research area. Simulation experiments are designed to study the relationship between terrain complexity and the terrain adaptability using the TERCOM terrain matching algorithm. The quantitative relationship between terrain complexity and terrain adaptation is obtained through experiments, and the distribution map of adaptation zone in Arctic is formed, which provides prior knowledge for the selection of adaptation zone for underwater terrain matching navigation in Arctic.