Wind-resistant design of existing cooling tower structures overlooks the impacts of rainfall. However, rainstorm will influence aerodynamic force on the tower surface directly. Under this circumstance, the structural response of the super-large cooling tower (SLCT) will become more complicated, and then the stability and safety of SLCT will receive significant impact. In this paper, surrounding wind fields of the world highest (210 m) cooling tower in Northwest China underthree typical wind velocities were simulated based on the wind-rain two-way coupling algorithm. Next, wind-rain coupling synchronous iteration calculations were conducted under 9 different wind speed-rainfall intensity combinations by adding the discrete phase model (DPM). On this basis, the influencing laws of different wind speed-rainfall intensity combinations on wind-driving rain, adhesive force of rain drops and rain pressure coefficients were discussed. The acting mechanisms of speed line, turbulence energy strength as well as running speed and trajectory of rain drops on structural surface in the wind-rain coupling field were disclosed. Moreover, the fitting formula of wind-rain coupling equivalent pressure coefficient of the cooling tower was proposed. A systematic contrast analysis on its 3D distribution pattern was carried out. Finally, coupling model of SLCT under different working conditions was constructed by combining the finite element method. Structural response, buckling stability and local stability of SLCT under different wind velocities and wind speed-rainfall intensity combinations were compared and analyzed. Major research conclusions can provide references to determine loads of similar SLCT accurately under extremely complicated working conditions.