Water inrush is a common geological hazard encountered during tunnel construction. According to the characteristics of water inrush risk, a triangular intuitive fuzzy multi-criteria decision-making model based on prospect theory and evidential reasoning is proposed to optimise the necessary disaster treatment scheme. Firstly, since the attribute information is difficult to be quantified in tunnel engineering works, this study proposes a method based on a combination of linguistic descriptions and triangular fuzzy numbers, and then, triangular intuitive fuzzy numbers are constructed to quantify attribute information. Secondly, a method for dynamic reference points under a triangular intuitive information environment is proposed, and then, a prospective value decision matrix can be constructed. Thirdly, based on the existing research results related to fuzzy information entropy and cross-entropy, the new formulae for cross-entropy and entropy of triangular intuitive fuzzy information are proposed, and the attribute weights are determined by using the proposed method of cross-entropy and entropy. Fourthly, since evidence theory has significant advantages in information aggregation, multi-source decision information is aggregated by evidential reasoning. Finally, the proposed decision-making model is applied to the Yuelongmen tunnel project, and the expected effect is achieved: this also provides a reference for other risk decision-making problems in underground engineering.