This study used Jilin-1 satellite data and unmanned aerial vehicle (UAV)-collected visible-thermal infrared imagery to calculate twelve spectral indices and evaluate their effectiveness in distinguishing post-fire forest areas and identifying human-altered land-cover changes in Jinyun Mountain, Chongqing. The research goals included mapping wildfire impacts with M-statistic separability, measuring land-cover distinguishability through Jeffries–Matusita (JM) distance analysis, classifying land-cover types using the random forest (RF) algorithm, and verifying classification accuracy. Cumulative human disturbances—such as land clearing, replanting, and road construction—significantly blocked the natural recovery of burn scars, and during long-term human-assisted recovery periods over one year, the Red Green Blue Index (RGBI), Green Leaf Index (GLI), and Excess Green Index (EXG) showed high classification accuracy for six land-cover types: road, bare soil, deadwood, bamboo, broadleaf, and grass. Key accuracy measures showed producer accuracy (PA) > 0.8, user accuracy (UA) > 0.8, overall accuracy (OA) > 90%, and a kappa coefficient > 0.85. Validation results confirmed that visible-spectrum indices are good at distinguishing photosynthetic vegetation, thermal bands help identify artificial surfaces, and combined thermal-visible indices solve spectral confusion in deadwood recognition. Spectral indices provide high-precision quantitative evidence for monitoring post-fire land-cover changes, especially under human intervention, thus offering important data support for time-based modeling of post-fire forest recovery and improvement of ecological restoration plans.