The invention relates to a model experiment apparatus for simulating ground long-term settlement due to overlapped tunnel operation in a high compact district under earthquake-rainfall effects, and belongs to the technical field of city underground engineering disaster prevention and disaster mitigation as well as ground settlement geological disaster. The model experiment apparatus comprises thefollowing components: a rainfall simulation system, an earthquake simulation system, a combined module system, an earth surface compact building system, soft soil, a lonestone group, a sensing system,a tunnel system, a conduction system, a vehicle vibration system, and a central control system. The apparatus can simulate influences due to long-term settlement of ground under extreme rainfall environment, earthquake disaster environment, and effects of rainfall environment, earthquake environment, and combination environments of rainfall and earthquake; the apparatus can simulate influences ofvehicle load vibration coupling effects at any positions during subway operation in a city high compact district on soil long-term settlement, and the apparatus has the characteristics of high environment simulation fidelity and experiment repeatability; the experiment is not limited by extreme environment, and has the characteristics of reliable data and high operationality.