The surrounding rock experiences the combined impacts of elevated ground stress, high water pressure, and hot groundwater during the deep-buried tunnels with high water temperatures. The stress in the surrounding rock and groundwater flow significantly affects the temperature variations in the tunnel's construction environment. Therefore, studying heat insulation and cooling measures while constructing high-water temperature tunnels is significant. This study uses a numerical simulation method to analyze water plugging and cooling feasibility in high-water temperature tunnels through grouting measures under thermal-fluid-solid coupling conditions. The variation characteristics and laws of the tunnel's stress field, seepage field, and temperature field surrounding rock under different grouting parameters are discussed. The results show that underground hot water is significantly lost when tunnels are excavated without grouting, and the tunnel wall's cooling effect is inferior. After constructing a 5 m grouting ring, excavating the tunnel significantly affects the seepage and temperature fields within the grouting ring. The seepage flow of underground hot water in the tunnel is reduced to about 1/2942 of its original value before grouting, and the temperature of the tunnel wall is significantly reduced. Through orthogonal testing, the order of influence of different grouting parameters on the average temperature of the tunnel wall is determined as follows: grouting permeability k > grouting thickness d > solid thermal conductivity of the grouting ring λ > thermal expansion coefficient of the grouting ring β.