Recent advances in the analysis of corneal biomechanical properties remain difficult to predict the structural stability before and after refractive surgery. In this regard, we applied the finite element method (FEM) to determine the roles of the Bowman's membrane, stroma, and Descemet's membrane in the hoop stresses of cornea, under tension (physiological) and bending (nonphysiological), for patients who undergo radial keratotomy (RK), photorefractive keratectomy (PRK), laser-assisted in situ keratomileusis (LASIK), or small incision lenticule extraction (SMILE). The stress concentration maps, potential creak zones, and potential errors in intraocular pressure (IOP) measurements were further determined. Our results confirmed that the Bowman's membrane and Descemet's membrane accounted for 20% of the bending rigidity of the cornea, and became the force pair dominating the bending behaviour of the cornea, the high stress in the distribution map, and a stretch to avoid structural failure. In addition, PRK broke the central linking of hoop stresses and concentrated stress on the edge of the Bowman's membrane around ablation, which posed considerable risk of potential creaks. Compared with SMILE, LASIK had a higher risk of developing creaks around the ablation in the stroma layer. Our FEM models also predicted the postoperative IOPs precisely in a conditional manner.