To fully realize the potential application of spalled thermal barrier coating systems (TBCs) in gas turbine blades, it is essential to evaluate the service behavior of TBCs and the critical spallation size for safety servicing. For this purpose, the evaluation of the localized spallation of TBCs under high-temperature gas was investigated experimentally and numerically. Thermal insulation experiments and a conjugate heat transfer numerical algorithm were used to clarify the over-temperature phenomenon, temperature distributions, the relevant flow characteristics of the high-temperature gas in the localized spallation region of TBCs, and the influencing mechanisms that consider the spallation width were identified. The results suggested that when the spallation width was less than 10 μm, the temperature in the TBCs did not change due to the weak impression of gas. When the spallation width exceeded the security coefficient of about 3 mm, the TBCs were difficult to service safely due to the impact of high-temperature gas. Furthermore, the concept of an over-temperature coefficient was proposed to describe the over-temperature damage and a nonlinear fitting equation was obtained to reveal and predict the evolution of the over-temperature coefficient. The over-temperature coefficient may serve as a valuable metric in determining the performance degradation of TBCs.