In remote sensing, open-vocabulary segmentation is particularly important for flexible and scalable land-cover understanding across diverse regions, as it improves generalization to novel categories without requiring exhaustive pixel-level annotations. Despite its great promise, progress in this area remains largely constrained by existing datasets with limited category coverage and overly coarse taxonomies, and therefore struggles to support fine-grained semantic understanding required in real-world applications such as urban functional zoning, carbon accounting, and post-disaster assessment. To address these challenges, we present OpenEarth-OVS44, a multimodal benchmark with 290,587 expert-verified segments from 2,832 RGB images and 1,341 strictly registered RGB-SAR pairs at sub-meter spatial resolution, covering 40 cities across France, Japan, and the United States under a unified 44-class taxonomy organized into 9 base categories. Three evaluation tracks are provided: an RGB-only fine-grained benchmark, a multimodal track with diverse synthetic cloudy conditions for weather-robust evaluation, and a held-out cross-region track. Extensive experiments on representative open-vocabulary segmentation models demonstrate that training on OpenEarth-OVS44 substantially improves fine-grained segmentation performance over the strongest training-free baseline, with improvements of up to 7.1 mIoU points on unseen categories and 27.6 mIoU points on seen categories. The dataset and code will be released.

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