The ghost material method was extended to the interaction between stress wave and fluid-solid interface. An interfacial calculation algorithm based on modified ghost fluid method (MGFM) was proposed for stress wave refraction on fluid-solid interface. On this basis, we used the Zwas scheme and the WENO scheme, respectively, to discretize solid and fluid governing equations to numerically simulate stress wave penetrating water tanks. Numerical test shows that the ghost material method was convergent when applied for stress wave impacting at fluid-solid interface. The presented calculation algorithm has first order numerical accuracy. 1D numerical results coincide well with the exact solutions. This verifies the feasibility of the extension of the Ghost Material Method to stress wave reflection and transmission on fluid-solid interface. Numerical results of stress wave penetrating the water tank show that (i) the results by the ghost material method are closed to those by the arbitrary-Lagrangian-Eulerian (ALE) method, (ii) the intensity of the transmitted wave increases to some extent after increasing the pressure of water tank, (iii) stress wave refractions in the vicinity of fluid-solid interface are very closed under different pressures. The conclusions are practically significant to ship defense and design.