Water-level monitoring in rice paddies supports sustainable farming, responsible water management, and greenhouse gas emission mitigation. SAR-based remote sensing is an effective alternative for estimating water levels, especially in regions where optical observations are limited. This study evaluates ten ALOS-2/PALSAR-2 L-band SAR-derived polarimetric parameters for their contribution and effectiveness in water-level estimation across rice-growing phases using random forest regression in the Subang District, which is one of the largest rice-yield areas in West Java, Indonesia. Overall, L-band polarimetric information is clearly related to water-level dynamics throughout the rice-growing cycle, confirming its strong potential for quantitative water-level retrieval. The highest estimation accuracy was achieved by integrating all polarimetric parameter groups (MAE = 1.37 cm, RMSE = 1.79 cm, R² = 0.52, r = 0.73), indicating that no single group can adequately represent the complex scattering mechanisms governing water-level variability across an entire cropping season. Variable importance analysis shows a relatively uniform contribution (7.63–12.90%), suggesting synergies across parameters in water-level estimation. Phase-specific evaluation further reveals that Phase 2, corresponding to the vegetative-to-generative transition, is the optimal temporal window for L-band SAR-based water-level retrieval due to enhanced double-bounce scattering and reduced signal saturation. While Phase 2 data maximizes physical sensitivity and correlation, whole-phase modeling provides greater robustness and lower absolute errors, making it more suitable for L-band SAR-based operational water-level monitoring applications.