Unmanned Aerial Vehicle (UAV) spectral remote sensing technology is widely used in water quality monitoring. However, in dynamic environments, varying illumination conditions, such as shadows and specular reflection (sun glint), can cause severe spectral distortion, thereby reducing data availability. To maximize the acquisition of high-quality data while ensuring flight safety, this paper proposes an active path planning method for dynamic light and shadow disturbance avoidance. First, a dynamic prediction model is constructed to transform the time-varying light and shadow disturbance areas into three-dimensional virtual obstacles. Second, an improved Interfered Fluid Dynamical System (IFDS) algorithm is introduced, which generates a smooth initial obstacle avoidance path by building a repulsive force field. Subsequently, a Model Predictive Control (MPC) framework is employed for rolling-horizon path optimization to handle flight dynamics constraints and achieve real-time trajectory tracking. Furthermore, a Dynamic Flight Altitude Adjustment (DFAA) mechanism is designed to actively reduce the flight altitude when the observable area is narrow, thereby enhancing spatial resolution. Simulation results show that, compared with traditional PID and single obstacle avoidance algorithms, the proposed method achieves an obstacle avoidance success rate of 98% in densely disturbed scenarios, significantly improves path smoothness, and increases the volume of effective observation data by approximately 27%. This research provides an effective engineering solution for precise UAV water quality monitoring in complex illumination environments.