The Human Torch is a pretty powerful superhero and he just needs one good fire attack to turn the tides. Jack Frost hasn’t fought an opponent as powerful as the Human Torch and he likely never will as he continues to be beaten by opponent after opponent on the blog. He just can’t catch a break against these guys. Human Torch wins.
DReager1.com 
Poor Jack XD i wonder if the ROTG version would have better chances lol
The ROTG version counts in the fight as well so that helps a bit, but the Human Torch is actually quite skilled. With his speed he kept up with the Silver Surfer for a little while.
Are you using the ROTG version of Jack?
Yes, or rather, that incarnation is a part of Jack Frost due to the composite rules.