Water–rock interactions affect mineral inclusions and the pore structure of rock, subsequently affecting its mechanical and seepage properties. A method for quantitative analysis of the pore and mineral inclusion evolution characteristics of coal samples based on CT scanning is proposed. Accordingly, numerical model construction and block division of mineral inclusions and pores in coal samples were realized. The effects of mineral inclusions and the pore structure on coal failure were simulated and analyzed. The results showed that the porosity and pore distribution in coal influence its strength. The development of plastic zones in coal affected by pores can be divided into three stages: (1) tensile failure initiation stage, (2) shear failure penetration stage, and (3) failure rapid expansion stage. The higher the fractal dimension of the pores is, the greater the strength of coal. Pores and mineral inclusions degrade the strength of coal and accelerate the development of plastic zones. In the loading process, plastic zones preferentially emerge around pores and mineral inclusions. The plastic zones around mineral inclusions connect gradually with those around pores, thus accelerating coal failure.