A model that considers both thermal expansion and thermo-optical effects is developed to investigate the transmission variation of optical coatings when they are exposed to an intense laser beam. Our results indicate that a higher gradient of the transmission spectrum curve at a certain wavelength leads to a more evident variation of the coating transmission. Three customized HfO2–SiO2 multilayer coatings with different transmission spectra are used to measure the transmitted power under the irradiation of a 1080 nm continuous-fiber laser. Excellent agreement is found between the experimental result and the theoretical prediction. Our result is helpful for the improvement of such devices in the application of high-power laser systems.