To explore the seismic response and performance of prefabricated prestressed underground multi-compartment municipal tunnel under earthquakes, the soil-structure interaction finite element analysis was carried out. Taking a four-cabin municipal tunnel as an example, the finite element dynamic time history analysis method is used to compare and analyze the assembled municipal tunnel with different combination forms, and the stress and deformation of the combined structure with or without prestressed reinforcement are also studied. The results of finite element analysis show that: the acceleration and displacement response of the combined structure without prestressed reinforcement is greater than that of the whole structure under different earthquakes; the left and right split structure with prestressed reinforcement can eliminate the relative displacement between the left and right structures, and can also reduce the relative displacement between the upper and lower split structures, effectively increasing the integrity of the structure. The analysis can provide a research basis for the structural safety of prestressed prefabricated municipal tunnels under earthquake, and provide a reference for the further development and application of underground municipal tunnels.