I googled for a photo of a fjord in Norway to recreate.
Hardanger fjord, near Nordheimsund, Norway:
Clear skies and shallow blue-ish water:
Sun in view. Note trees against bright glare from the sun and reflection of sunlight from water:
More cloud cover changes the colour of the water and dulls the reflection off the water:
Rainbow:
Thinner clouds let sunlight through. They 'glow' brightly as Mie forward scattering is strong for water droplets:
Thicker clouds will block the sun. Cloud shadows:
This photo is from google/wikipedia [1]. Wasn't able to find the exact location in FG after a very brief glance around Nordheimsund. Looks almost like a scene from FG. I've seen such clouds with sunlight streaming through in FG, a bit like: 2 , 3 , 4
I found a similar looking island and the screens are from [60.41714872, 6.540873379], heading 245 at 775 ft. I changed the time of year a bit. These aren't panoramic screenshots or anything, just quickly changed aspect ratio in windowed mode.
Kind regards