The objective of this study is to reproduce turbid ocean color on the coral reef of Amami-Oshima Island which located in Kagoshima Prefecture, Japan using the bio-optical model in consideration of bottom reflectance. The comparison between the model and in-situ reflectance at the surface water under four kinds of conditions is tested. As a result, the absolute values is different, but the significant correlation (R²>0.80) was acquired. Moreover, ocean color at the time of changing water depth and SS on coral reef was reproduced using CIE color coordinate theory (xyY color coordinate). It was confirmed that the significant correlation between water depth and SS have hue (x, y) and brightness (Y) of ocean color, respectively. This bio-optical model serves as a good tool reproducing ocean color under turbid condition on coral reef.