Frequent fog and dynamic wind speeds in the ocean significantly impact the radiation transmittance and reflectance on the sea surface, substantially challenging remote sensing and target detection in marine environments. Establishing a model to study the radiative transfer more accurately in ocean-sea fog systems under dynamic wind speed conditions is crucial. Here, a multichannel Monte Carlo (Mc-MC) model is introduced to investigate radiative transfer in ocean-fog systems, which is more realistic and has greater potential than the traditional MC (Tra-MC) approach. Addressing the challenges of dynamic wind speed, this paper introduces two specialized dynamic wind speed models. One prioritized the accurate simulation of changing sea surface wind speeds, and we investigated the transmittance and reflectance of six regions in the Pacific and Atlantic Oceans under this model. The other is proposed for investigating the effect of dynamic wind speed on radiative transfer. The experimental results indicate that an increase in the wind speed dynamic factor accelerates the rate of wind speed changes, thereby intensifying the instability of the radiative transfer transmittance and reflectance. In addition, the light around both the 1 µm and 2 µm wavelengths exhibit high transmittance, but the light surrounding 1 µm has relatively weaker stability compared to that surrounding 2 µm. These investigations provide valuable insights for infrared remote sensing, target detection, and the development of light sources suitable for marine applications.