Underwater wireless optical communication (UWOC) can provide higher-data-rate communication over moderate distances for new underwater applications. However, high-speed data transmission in UWOC is mainly limited by spectral attenuation in water and background noise. In this study, we propose an analytical underwater daylight noise model that incorporates the daylight simulation model SPCTRAL2 with an upwelling solar radiance model for the practical analysis of background light for UWOC. Moreover, we also consider a differential on-off-keying (DOOK) system in our simulation model. This DOOK system was proposed to reduce the effect of background noise in free-space optical communications. It was found that the effectiveness of the DOOK system can be verified by our new underwater daylight noise model. For example, for coastal water and harbor water, the DOOK system can improve BERs compared with an OOK system with a fixed threshold. In addition, the DOOK system can achieve a BER of less than 10 −6 in coastal water during daylight hours.