This study investigates a shielded reactor coolant pump (RCP) using a thermo-fluid–structure interaction approach to numerically simulate the internal flow characteristics, impeller forces, and rotor vibration modes during rapid start-up following a loss of power accident under high-temperature and high-pressure conditions. A three-dimensional fluid–structure coupling model was established, employing the SST k-ω turbulence model and a one-way fluid–structure interaction method. The effects of three different start-up acceleration rates on pump head, pressure pulsation, vortex structures, turbulent kinetic energy distribution, and dynamic stress on the impeller were systematically analyzed. The results indicate that the medium-acceleration scenario (4.5 s start-up time) exhibits the most favorable performance in terms of pressure pulsation control, vorticity suppression, and stress distribution, effectively avoiding cavitation and structural resonance while ensuring a smooth and reliable start-up process. Modal analysis reveals that the rotor system is predominantly characterized by bending vibrations with satisfactory torsional stiffness and appropriately set critical speeds, presenting no resonance risks. This research provides theoretical foundations and engineering references for the safe restart of RCPs under extreme operational conditions.