UAV thermal-to-satellite geo-localization localizes UAVs by matching real-time thermal images against georeferenced satellite images, enabling autonomous navigation in GNSS-denied and low-visibility conditions. However, substantial cross-modal disparities in color, brightness and viewpoint hinder conventional appearance-based methods from establishing reliable correspondences. While existing approaches predominantly address global modality shifts, they overlook the invariant scene structures inherently shared between thermal and satellite views. To bridge this gap, we propose SAMF, a Structure-Aware Matching Framework that explicitly exploits stable cross-modal structural cues to improve UAV thermal geolocalization. Specifically, the Directional Structure Enhancement Module (DSEM) strengthens robust structural representations by capturing directional and low-frequency spatial patterns, and the Modality-Aware Affine Remapping Module (MARM) subsequently applies affine correction to these enhanced features, further promoting cross-modal alignment. Additionally, we introduce the Thermal-UAV-Paired benchmark derived from the Thermal-UAV dataset. Extensive experiments on both the Boson-nighttime and Thermal-UAV-Paired datasets show that SAMF achieves state-of-the-art performance. Ablation studies further validate the effectiveness and synergistic complementarity of DSEM and MARM. The code and dataset are released at: https://github.com/YuxinWang879/SAMF.git.

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