In this paper, the projectile penetrating fiber-reinforced concrete (FRC) is modeled and simulated by the continuum discontinuum element method (CDEM) and a fiber-block interpolation coupling algorithm. The Mohr–Coulomb constitutive model is applied to the blocks to calculate the block forces, and the Mohr–Coulomb criterion and the maximum tensile criterion are applied to estimate the failure of contact surfaces. Numerical simulations of projectiles penetrating plain concrete and FRC with 1 to 3 vol% are performed. We verify the validity of the model by predicting the crack morphology and penetration depth for plain concrete and FRC, which are in agreement with experimental results. Detailed images of crack surfaces in the concrete blocks caused by projectile penetration are included. The effects of fiber content on crack width are analyzed. The results indicate that the normalized widths of the cracks approximately satisfy the Weibull distribution. Compared with plain concrete, the addition of fibers results in a reduction in both the expectation and variance of crack widths. However, the degree of reduction weakens as fiber content increased.