Text-to-video (T2V) generation models can produce visually realistic videos that nevertheless violate the physical consequences implied by the prompt and scene. Existing benchmarks largely rely on holistic plausibility scores or broad quality dimensions, leaving it unclear which physical behavior is being tested and why a model fails. We introduce PhyMetric, a scene-level diagnostic benchmark that recasts physical plausibility evaluation as verifiable, scene-grounded question answering. PhyMetric contains 1{,}115 scenes spanning 50 physical categories across six domains, paired with 8{,}920 answer-balanced binary questions over 12 evaluation dimensions. Each scene is associated with eight targeted yes/no questions and a structured physical prior specifying the governing law, expected temporal sequence, observable signatures, and common failure modes. At evaluation time, a vision-language model (VLM) judge answers each question from question-aware sampled frames conditioned on the prior, and correctness is hierarchically aggregated into scene, dimension, physical category, and model scores. Experiments on four open-source T2V models and three VLM judges show that scene-specific binary QA is a critical component of the protocol: when each targeted question is replaced by a single generic plausibility query, evaluator accuracy drops to the chance level. Structured physical priors offer a complementary signal that improves human alignment of the resulting scores, with effects that vary across VLM judges of different capacity. These findings establish PhyMetric as a benchmark that turns physical plausibility evaluation from opaque holistic scoring into interpretable, scene-level inspection. Our project page is available at: https://mengsiwei.github.io/PhyMetric/.

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