Thermal stresses are identified as one of the major causes of concrete failure. In order to consider the heterogeneity of concrete at mesoscopic level, and to simulate its failure processes during temperature change, a coupled thermo-mechanical model, which is on the basis of statistical damage model, is proposed. The model revealed the effect of the heterogeneity on concrete, and by analysis one of the important thermal stresses, i.e. thermal mismatch stresses, which are caused by thermal mismatch between the aggregate and mortar due to uniform change in temperature, it indicate that the presence of thermal mismatch causes stress concentration along the interface between aggregate and mortar, and the superpose of those stresses cause the crack propagation in the line of the two aggregate. The crack patterns, simulated by the proposed model, show a good agreement with the experimental results.