The coupled thermo-hydro-mechanical response caused by fire temperature transfer to surrounding rock/soil has a significant impact on tunnel safety. This study developed a numerical simulation model to evaluate the effects of fire on tunnel structures across different geological conditions. The heat transfer behavior varied with the mechanical properties and permeability of the geotechnics, concentrating within 1.0 m outside the tunnel lining and lasted for 10 days. Significant differences in pore water pressure changes were observed, with less permeable geologies experiencing greater pressure increases. Tunnel deformation was more pronounced in weaker geotechnics, though some tunnels in stronger geologies showed partial recovery post-fire. During the fire, thermal expansion created a bending moment, while a negative bending moment occurred after the fire due to tunnel damage and geotechnical coupling. The entire process led to irreversible changes in the bending moment. The depth of tunnel burial showed varying sensitivity to fire across different geological settings. This study provides important references for fire protection design and post-fire rehabilitation of tunnels under diverse geological conditions.