With global warming intensifying, weather patterns become more volatile and extremes more common. Tornadoes are the most destructive natural disasters causing significant damage to infrastructure. Meanwhile, high-speed railways now face greater risks from tornado events as the national railway network and mass transit trains expand. Thus, studying the tornado flow characteristics and associated effects on high-speed trains is necessary. A study is presented regarding the wind-loading characteristics of a high-speed train running over a railway bridge induced by a tornado belonging to the future railway network. The wind-loading characteristics analyses are performed using the improved delayed detached eddy simulation method. After verifying the numerical approach and mesh strategy, computational studies are conducted to produce a tornado-like vortex and investigate the tornado-induced wind-loading characteristics of a high-speed train running on the bridge by combining a tornado simulation with a moving mesh technique. For the wind-loading parameters studied herein, the selected train's velocity range is between 50 and 350 km/h, the typical operation speed of either regular or high-speed trains. The numerical results show that the time histories of aerodynamic forces on the train revealed a pattern in tornadic flow variability, the time evolutions of the wind loads on the train were affected by train speeds, and the fluctuation was the greatest when the train ran at 50 km/h. Moreover, the train is subjected to larger aerodynamic forces and moments when it operates along with the rotating vortex flow, especially in the core region, and the train is more dangerous when it runs at a lower speed. The results in this study provide references for assessing operation safety, while a train running on the bridge encounters tornadoes.