Multimodal 3D object detection based on LiDAR and cameras has demonstrated excellent performance in ground-vehicle scenarios, but has not been explored for Unmanned Aerial Vehicle (UAV) platforms. In UAV top-down scenes, frequent groundobject occlusion dominated by tree canopies causes spatially varying and modality-dependent information degradation. Existing multimodal fusion frameworks neither explicitly model such ground-object occlusion nor embed occlusion awareness into the detection pipeline, limiting their performance in occluded UAV scenes. To address these challenges, we propose CAMF-Det, a closure-aware multimodal fusion framework for LiDAR-camera 3D object detection on UAV platforms, which derives dual-modal occlusion intensity through physics-inspired modeling and embeds them as priors throughout the detection pipeline. First, a dual-modal closure modeling module explicitly constructs occlusion intensity ground truth for both modalities offline via a Beer-Lambert-inspired formulation and building-mask correction. Second, using these ground-truth maps as supervision, a dual-modal prediction network converts the offline modeling results into online occlusion intensity predictions under single-frame inference. Third, both ground-truth and predicted occlusion intensity are injected into data augmentation, feature encoding, multimodal fusion, and detection head, enabling adaptive detection under spatially varying and modality-dependent information degradation. Experiments on two self-built UAV-based multimodal datasets, SI3D-DI and SI3D-DII, demonstrate that CAMF-Det achieves the best performance across all difficulty levels, with hard-level mAP$_{\mathrm{BEV}}$ improvements of 9.43% and 4.88% over the best competing methods, respectively. These results confirm the effectiveness of explicit occlusion prior modeling and exploitation for robust multimodal 3D detection in UAV scenes.