A simulator is proposed in this paper for predicting the RF signal level after propagating over sea and land surfaces. Various sea and land types and transmit/receive antenna patterns, as well as the locus of the transmit antenna, are considered for this simulator. At first, microwave reflection characteristics of various sea surfaces have been computed, based on an empirical formula which is developed in this study for the relation between the sea surface roughness and wind speed. Then, microwave reflections from land surfaces such as forests, agricultural areas, and bare surfaces, are computed using the first-order vector radiative transfer theory. Finally, the signal paths over sea and land surfaces are found using the ray tracing technique and the digital elevation model, and the signal level received by a receiving antenna is computed by the using the reflection coefficients of sea and land surfaces and the signal paths.