Currently, research on employing finite difference method and discrete element method (FDM-DEM) coupling to assess the stability of tunnel lining structures is limited. This study utilized the FDM-DEM coupling approach, with the F2 fault of the East Tianshan Tunnel as a case study, to develop a numerical model in conjunction with PFC3D 6.0 and FLAC3D 6.0 software. We conducted a comprehensive analysis of the displacement deformation and crack progression of the tunnel lining structure under varying dislocation momentum conditions, unveiling the underlying mechanisms. The findings indicated that as the dislocation increased, the extent of damage to the vault intensified, and the particle contact force within the tunnel lining shifted from compression to tension, significantly contributing to the crack formation. Fault dislocation influenced the gradual expansion of cracks from the vault to the spandrel and arch waist, with the crack width increasing alongside the rising dislocation momentum. In particular, under substantial dislocation momentum, the overall stability of the tunnel lining was markedly diminished. The safety factor at the tunnel section declined progressively as the dislocation momentum escalated, with values of 2.53, 2.49, 2.43, 2.39, and 2.32 corresponding to dislocation momenta of 0.01 m, 0.05 m, 0.1 m, 0.15 m, and 0.2 m, respectively. This research offers valuable insights and a reference framework for investigating the stability of tunnel lining structures in proximity to fault dislocations, pinpointing potential failure points, and bolstering the structural integrity of tunnels.