A heat-developable photosensitive material includes at least a photosensitive silver halide particle, a nonphotonsensitive organic silver salt, a developing accelerator, a reducing agent and a binder on a support, wherein the photosensitive silver halide includes silver iodide at 5 mol % to 100 mol % and the average particle size of the photosensitive silver halide is 5 nm to 80 nm. A heat developing method for the heat-developable photosensitive material is also disclosed.