The invention discloses a surface-mounted thick film fuse structure and a manufacturing method thereof, and belongs to the field of electronic components. Comprising a substrate, a back electrode, a surface electrode, a heat insulation layer, a fuse link layer, an encapsulation layer, an end electrode, a fuse link body, a fuse wire isolation through hole and a fuse wire, the substrate is made of a high-temperature-resistant insulating material, the back electrodes are located at the two ends of the back face of the substrate, the surface electrodes are located at the two ends of the surface of the substrate, the heat insulation layer is located on the surface of the substrate, the fuse-link layer is located on the surface of the heat insulation layer, the encapsulation layer is located on the surface of the fuse-link layer, and the end electrodes cover the back electrodes, the surface electrodes and the two ends of the substrate. The fuse isolation through holes penetrate through the fuse link body, the shape, the number, the size and the arrangement mode of the isolation through holes are set according to the specific performance of the fuse, and the fuse is manufactured by adopting a thick film integrated process technology. The problem of contradiction between rated voltage improvement and electric arc reduction in the prior art is solved. The fuse is widely applied to the field of miniaturized, high-working-voltage, low-arc and high-reliability fuses.