Environmental assessments are critical for ensuring the sustainable development of human civilization. The integration of artificial intelligence (AI) in these assessments has shown great promise, yet the "black box" nature of AI models often undermines trust due to the lack of transparency in their decision-making processes, even when these models demonstrate high accuracy. To address this challenge, we evaluated the performance of a transformer model against other AI approaches, utilizing extensive multivariate and spatiotemporal environmental datasets encompassing both natural and anthropogenic indicators. We further explored the application of saliency maps as a novel explainability tool in multi-source AI-driven environmental assessments, enabling the identification of individual indicators' contributions to the model's predictions. We find that the transformer model outperforms others, achieving an accuracy of about 98% and an area under the receiver operating characteristic curve (AUC) of 0.891. Regionally, the environmental assessment values are predominantly classified as level II or III in the central and southwestern study areas, level IV in the northern region, and level V in the western region. Through explainability analysis, we identify that water hardness, total dissolved solids, and arsenic concentrations are the most influential indicators in the model. Our AI-driven environmental assessment model is accurate and explainable, offering actionable insights for targeted environmental management. Furthermore, this study advances the application of AI in environmental science by presenting a robust, explainable model that bridges the gap between machine learning and environmental governance, enhancing both understanding and trust in AI-assisted environmental assessments.

HIGHLIGHTS. The red edge band of Chinese Gaofen-6 WFV date was found to be applicable to the extraction of surface water.A decision tree model based on the join

Accurately mapping surface freshwater bodies (e.g., ponds, reservoirs, and small lakes) is vital for managing insular ecosystems and communities. However, satellite-based extraction in coastal settings is challenged by seawater intrusion, complex topography, and cloud cover. Focusing on bedrock islands outside China’s Pearl River Estuary, this study developed a robust method to address these issues. We used both Gaofen-1 (GF-1) optical and Gaofen-3 (GF-3) Synthetic Aperture Radar (SAR) imagery, supported by field-collected water quality samples from surface freshwater body shorelines for model training and validation. The performance of two index-based methods (the Normalized Difference Water Index, NDWI, and the Normalized Difference Vegetation Index, NDVI), two machine learning algorithms (Random Forest, RF, and Support Vector Machine, SVM), and a U-Net convolutional neural network (U-Net) deep learning model was compared. The U-Net model achieved the highest accuracy, with Area Under the Curve (AUC) values of 0.881 (GF-1) and 0.840 (GF-3). It effectively discriminated freshwater from seawater and mitigated cloud interference, demonstrating superior precision and robustness over traditional methods. This work establishes a high-precision framework for monitoring island freshwater resources, supporting sustainable water management. The proposed framework provides a practical tool for tracking freshwater availability under climate variability and anthropogenic pressures, contributing to the monitoring of Sustainable Development Goal (SDG) indicator 6.3.2 on ambient water quality.