This paper develops a high-precision miniature three-dimensional Fiber Bragg Grating (FBG) force sensor designed for detecting and locating hard masses within tissues during Minimally Invasive Surgery (MIS) and robotic-assisted MIS palpation processes. The prototype consists of three FBG-etched optical fibers and an integrated elastomer. The fibers are suspended and parallel to each other within the elastomer, allowing each FBG to be directly compressed or stretched under stress. A novel model, combining segment-by-segment sensitivity and differential decoupling, is adopted for decoupling three-dimensional forces. This approach significantly reduces the crosstalk error caused by spatial forces, avoids the complexity of assembling multiple fibers in previous designs, and reduces the sensor's size, facilitating its integration into MIS procedures. Calibration experiments are conducted to determine the sensor's force sensitivity coefficients, achieving resolutions of 4.35 mN, 3.99 mN, and 3.30 mN in the X, Y, and Z directions, respectively. Through discrete and drag palpation tests on silicone with different types of hard inclusions, the results demonstrate that the proposed prototype has the ability to effectively identify the size, hardness, and depth of hard objects from the contact force information. Additionally, ex vivo porcine kidney palpation experiments are conducted to further verify the feasibility of locating hard masses during MIS palpation.