The maximum wind load direction of tower crane is considered to be perpendicular to its jib. The interference effects of its different segments and across-wind loads are ignored in traditional crane safety evaluation. This study proposes a general scheme for the safety evaluation of tower cranes under fluctuating wind loads. The wind coefficients of a full-scale model of a tower crane were calculated by computational fluid dynamics, and then the time history of wind loads, simulated through the autoregressive method, were applied to the finite element model of a tower crane. The results reveal that the maximum along-wind load direction deflected 30°–60°, and the mean ratio of the absolute value of the across-wind coefficient to the along-wind coefficient of the tower crane was 8.56%, which indicated that the across-wind loads should be taken into account in wind-resistant design. Comparing the wind-induced responses of four typical wind directions, the maximum displacement, the bending stress and the axial stress of the tower crane occurred in the positive direction. Furthermore, the maximum acceleration of the cat-head was 0.028 m/s2, which met the comfort requirements of the operator. Although the tower crane met the strength and static stiffness requirements of design rules, the maximum bending stress at the junctions between the jib and the slewing platform, the counterweight and the counter-jib, exceeded the allowable stress, and the first modal of the tower crane was excited. These results warrant considering the effect of fluctuating wind loads in the safety evaluation of a tower crane.