Imbalanced labels can cause frequent samples to dominate AI-based quantitative remote sensing, degrading rare-event retrieval. In rain-rate retrieval based on satellite infrared brightness temperatures, this imbalance leads to systematic underestimation of rare high-intensity rainfall. In this study, Hurdle-Retrieval Model Imbalanced Learning (RMIL) is proposed. Following a divide-and-conquer strategy, Hurdle-RMIL separates zero inflation from the long-tailed distribution of positive rain. A hurdle model handles zero inflation, whereas RMIL exploits invariance under fixed observation conditions of the rainfall-to-satellite forward process to derive a Bayes-based transformation linking conditional distributions under naturally long-tailed and hypothetical balanced rainfall. This transformation enables the balanced-distribution model to be learned from natural samples without constructing a balanced dataset. Comparisons with conventional learning, classification-regression modeling, cost-sensitive learning, and generative learning using test data from multiple regions in China show that Hurdle-RMIL mitigates systematic underestimation and improves detection of rare high-intensity and extreme rainfall without markedly degrading lower-threshold accuracy. At 0.1-10 mm per hour, its root mean square error remains close to those of the best baselines, and it yields the highest equitable threat score (ETS) at most evaluated thresholds, with its advantage becoming more pronounced at high thresholds. At 30 mm per hour, its ETS is 0.051 versus 0.015 for the best baseline, and its mean error is -25.41 mm per hour versus -28.98 mm per hour. Case studies further show improved representations of rainfall intensity and spatial extent, demonstrating that Hurdle-RMIL effectively addresses rainfall-distribution imbalance and improves the retrieval of rare high-intensity rainfall.

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