Comparative Assessment of Multimodal Earth Observation Data for Soil Moisture Estimation

Accurate soil moisture (SM) estimation is critical for precision agriculture, water resources management and climate monitoring. Yet, existing satellite SM products are too coarse (>1km) for farm-level applications. We present a high-resolution (10m) SM estimation framework for vegetated areas across Europe, combining Sentinel-1 SAR, Sentinel-2 optical imagery and ERA-5 reanalysis data through machine learning. Using 113 International Soil Moisture Network (ISMN) stations spanning diverse vegetated areas, we compare modality combinations with temporal parameterizations, using spatial cross-validation, to ensure geographic generalization. We also evaluate whether foundation model embeddings from IBM-NASA's Prithvi model improve upon traditional hand-crafted spectral features. Results demonstrate that hybrid temporal matching - Sentinel-2 current-day acquisitions with Sentinel-1 descending orbit - achieves R^2=0.514, with 10-day ERA5 lookback window improving performance to R^2=0.518. Foundation model (Prithvi) embeddings provide negligible improvement over hand-crafted features (R^2=0.515 vs. 0.514), indicating traditional feature engineering remains highly competitive for sparse-data regression tasks. Our findings suggest that domain-specific spectral indices combined with tree-based ensemble methods offer a practical and computationally efficient solution for operational pan-European field-scale soil moisture monitoring.