This paper focuses on the unsteady temperature distribution and structural response induced by an oscillating flux on the top surface of a flat panel. This flux is introduced here as a simplified representation of the thermal effects of an oscillating shock on a panel of a supersonic/hypersonic vehicle. Accordingly, a random acoustic excitation is also considered to act on the panel and the level of the thermo-acoustic excitation is assumed to be large enough to induce a nonlinear geometric response of the panel. Both temperature distribution and structural response are determined using recently proposed reduced order models (ROMs) and a complete one way, thermal-structural, coupling is enforced. A steady-state analysis of the thermal problem is first carried out that is then utilized in the structural reduced order model governing equations with and without the acoustic excitation. A detailed validation of the reduced order models is carried out by comparison with a few full finite element (Nastran) computations. The computational expedience of the reduced order models allows a detailed parametric study of the response as a function of the frequency of the oscillating flux. The nature of the corresponding structural ROM equations is seen to be of a Mathieu-type with Duffing nonlinearity (originating from the nonlinear geometric effects) with external harmonic excitation (associated with the thermal moments terms on the panel). A dominant resonance is observed and explained.