The results of surrounding rock pressure measurements from numerous loess tunnels exhibit a butterfly distribution pattern, subsequently referred to as ’butterfly load’. This pattern significantly deviates from the load distribution and magnitude—referred to as ’specification load’—calculated by current Chinese tunnel design specifications. By means of model experimental and numerical simulation, the mechanical behavior, failure cause, failure mechanism and preventive actions of tunnel structure under different load distribution are studied. The experimental results indicate that the ultimate bearing capacity of the tunnel structure under the butterfly load is significantly lower than that under the specification load, with the ultimate bearing capacity decreasing as load unevenness increases. The butterfly load increases the unevenness of the axial force distribution throughout the annular structure and also causes the structure to produce reverse moments in the vault and arch shoulder. Similarly, the morphological characteristics of the cracks show that the butterfly load most significantly influences the tunnel vault and arch shoulder. Under the influence of the butterfly load, the lining structure is prone to developing cracks at the arch shoulder and arch foot positions, with tensile cracks located at the vault position. Aiming at the failure mechanism of tunnel structure under butterfly load, it is suggested to implement advanced small conduit grouting at the tunnel arch to suppress the dislocation of the formation and to lay root piles at the arch foot to improve the bearing capacity of the tunnel bottom. The prevention effect of this technology in different loess regions is sandy loess > general loess > clay loess.