This study first employs TurbSim and OpenFAST (Fatigue, Aerodynamics, Structures, Turbulence) programs for secondary development to comprehensively model the NREL-5MW semi-submersible wind turbine and OC4-DeepC wind floating platform with wind–wave interaction. Next, we investigate the dynamic response of floating wind turbines under the complex coupling of turbulent winds and irregular waves. Turbulent wind fields were simulated using the IEC Kaimal model with turbulence intensities of 5% and 20%. Additionally, two irregular waves were simulated with the Pierson–Moskowitz (P–M) spectrum. The results indicate that in turbulent wind conditions, the aerodynamic power of the wind turbine and the root bending moments of the blades are significantly influenced by turbulence, while the impact of waves is minimal. The coupled motion response of the floating platform demonstrates that turbulence intensity has the greatest impact on the platform’s heave and pitch motions, underscoring the importance of turbulence in platform stability. This study provides essential insights for designing and optimizing floating wind turbines in complex wind–wave coupling offshore environments.