Rice is one of the world’s most important food crops, feeding over half of the global population and being crucial for food security. Accurate, timely mapping of rice fields is essential for precision agriculture, yet conventional methods relying on static samples fail to capture dynamic farmers’ planting decisions. To address this, we propose the Multi-Source Dynamic Sample Generation and Phenology-Guided Feature Selection Framework for In-Season Rice Identification (MSDF-RiceID) using multi-source remote sensing imagery. It incorporates two key innovations: (i) a rule-based sample updating mechanism based on historical rice maps and a dynamic threshold algorithm, and (ii) phenology-guided feature optimization through exponential weighting. Developed specifically to handle complex cropping patterns and high cloud cover in Hunan Province, MSDF-RiceID integrates these innovations within a grid-search-optimized Random Forest classifier to produce reliable monthly rice distribution maps. In-season samples corresponding to transplanting dates in April (DOY 100, 120), June (DOY 160), and July (DOY 184), differentiated as early-, middle-, and late-rice crops. The optimal feature set combined Sentinel-1 (PRI, VH, VH_VV), Sentinel-2 (NDYI, PSRI, NDBI, NDWI), and MODIS (NDVI, EVI, NDBI, LSWI) indices. Accuracy increased seasonally, with F1-score rising from 0.82 in May to 0.97 at harvest. Cross-region validation in Taishan (Guangdong) and Panjin (Liaoning) showed that the earliest identifiable stage (F1-score > 0.9) occurred earlier than in Hunan due to Hunan’s more complex triple-cropping phenology, highlighting the model’s strong transferability. Furthermore, MSDF-RiceID outperformed existing products (TWDTW-Rice and EARice10), increasing overall accuracy by 0.12–0.18, Kappa by 0.23–0.35, and F1-score by 0.09–0.15. These results demonstrate its effectiveness for in-season, large-scale, and dynamic rice mapping under persistent cloud cover, thereby providing direct support for precision agricultural management in heterogeneous cropping systems.