This study addresses the inherent fragility and fractal limitations of traditional silica aerogels by developing a bio-templated aerogel fiber. Integrating cellulose nanofibers (CNFs), thermoplastic polyurethane (TPU), and silica aerogel (SA) in a dimethyl sulfoxide (DMSO) dispersion, a gel-spinning technique was employed to create aerogel fibers with superior thermomechanical performance. CNF also provided excellent rheological modification for successful spinnability, fast gelation, and fiber formation. The unique hierarchical structure of these fibers, formed through hot-stretching and surface modification, combined the superior mechanical strength and flexibility of TPU with the exceptional insulation properties of CNF and SA. The CNF network, encapsulated within the SA particles, formed a core−shell structure, axially aligned, that significantly enhances the thermal stability and mechanical performance of the fibers while maintaining a lightweight and porous architecture. Comprehensive morphological, thermal, and mechanical analyses were conducted to evaluate the properties of the developed aerogel fibers. Fourier transform infrared (FTIR) spectroscopy and nuclear magnetic resonance (NMR) spectroscopy verified the successful surface modification and grafting reactions on CNF, contributing to improved hydrophobicity and thermal insulation. Adjusting the CNF content allowed for tailoring of the thermomechanical characteristics, with a notable 294% increase in tensile strength from 5.3 to 15.6 MPa and an enhanced crystallization temperature from 106 to 119.97 °C. Furthermore, cyclic tensile and compression tests validated the durability and shape recovery capabilities of the aerogel fibers, making them promising candidates for high-performance applications in extreme environments. The thermal conductivity validated by experimental data further highlights the potential of CNF-based aerogel fibers as sustainable and multifunctional materials for advanced thermal insulation, mechanical reinforcement, and flexible structural applications.