Due to the frequent occurrence of large-scale water inrush accidents in metro tunnels under the condition of local collapse of loess stratum, there are few reports on the response mechanism of loess metro tunnel under the condition of local collapse. Based on the actual project of tunnel water gushing in a certain section of Xi'an Metro Line 4, the research method of combining theoretical derivation with numerical simulation is adopted, the expressions of internal force and deformation of loess metro tunnel structure under different collapsibility conditions are derived and verified by finite difference method . The results show that the development of water transport channels and the law of collapsibility morphology of loess under local collapsibility are analyzed. Based on the elastic foundation beam model, the structural response model and analytical solutions of internal force and deformation of metro tunnel under different collapsibility conditions (upper collapsibility, side collapsibility and bottom collapsibility) are derived. Combined with the actual data of water inrush accident, the calculation case of the supporting project under the upper collapsible condition is analyzed. When the water head height is 7.5 m, the internal force and deformation of the tunnel structure only occur at about 20 m of the collapsible center. The internal force and deformation of the segment in the main influence range show an obvious non-linear trend, and the strong, weak and no influence zones are defined. Moreover, the numerical simulation results are consistent with the theoretical results under the supporting conditions, which verifies that the theoretical results can effectively predict the influence range of metro tunnel structure under local collapsibility of loess stratum. This research can provide new ideas for the construction, operation and disaster prevention of metro tunnels under the condition of local collapsibility in loess stratum.