Deep networks dominate photovoltaic (PV) thermographic fault detection but need large annotated datasets and resist interpretation. We present a lightweight, interpretable infrared workflow combining support-vector-machine (SVM) module/background segmentation from four handcrafted features with an adaptive grid analysis labelling regions as nominal-intensity, high-intensity anomaly or low-intensity anomaly relative to a module-internal reference; the anomaly classes are inspection candidates, not confirmed faults. Evaluation used 21 close-range images of one 20 W module—recorded with the camera’s visible-light edge fusion active, so they are fused infrared/visible frames—and all 596 of a public five-sector UAV dataset. Segmentation against manual masks reached a mean intersection-over-union of 0.64; a feature ablation shows intensity statistics dominate, and an end-to-end Otsu pipeline gives almost the same high-intensity share (4.54% versus 4.50%): the SVM contributes reproducibility—removing the manual segmentation threshold, though not the empirical +48/−60 offsets—not accuracy. High-intensity regions concentrated in the module’s lower half, co-locating with a bus-bar defect known from hardware inspection—suggestive, not validated. The single-module, image-level close-range evaluation is optimistic, and the UAV shares, from a separately trained SVM, illustrate cross-domain application only. Segmentation runs at about 15 images per second on CPU. The method is a relative-intensity thermal screening workflow, not a validated defect-diagnosis or plant-health assessment method, and applies only where acquisition is controlled and the offsets are recalibrated for the target camera and palette.