AbstractA mesoscopic representative volume element (RVE) model of carbon fiber reinforced polymers (CFRP) laminate with 15 plies was established based on the principle of fiber random disturbance. The RVE model was validated by comparing the elastic parameters calculated by the RVE model, Chamis model, and Bridge model. Wet stress and thermal stress were coupled using a sequential method. Macroscopic and microscopic subroutines were developed to calculate the stress–strain field of CFRP laminate and RVE model. A multiscale numerical simulation of three‐point bending of moisture‐saturated CFRP laminate was conducted. Failure process and failure modes of CFRP laminate were discussed based on the multiscale simulation and SEM observations. The results show that the RVE model and the multiscale simulation strategy presented in this work can predict the coupled hygrothermal stress and the strength degradation due to moisture absorption very well. The maximum error between the simulated and experimental averaged force of the moisture‐saturated CFRP laminate subjected to three‐point bending is about 3.4%. Multiscale simulation demonstrated that uneven distribution of fibers can result in the fiber/matrix interfaces bearing a larger transverse stress in the fiber's dense distribution area. It is the main reason that results in fiber/matrix interface failure of CFRP laminates working in hygrothermal environments.Highlights A RVE model of CFRP laminate was presented using fibers random disturbance. Coupled hygrothermal stress of single fiber and surrounded matrix was obtained. A multiscale simulation of the strength change of the CFRP plate due to wet‐thermal stress was conducted. Failure modes of CFRP laminate are discussed based on the multiscale simulation.