Fine-tune Smarter, Not Harder: Parameter-Efficient Fine-Tuning for Geospatial Foundation Models

Earth observation (EO) is crucial for monitoring environmental changes, responding to disasters, and managing natural resources. In this context, foundation models facilitate remote sensing image analysis to retrieve relevant geoinformation accurately and efficiently. However, as these models grow in size, fine-tuning becomes increasingly challenging due to the associated computational resources and costs, limiting their accessibility and scalability. Furthermore, full fine-tuning can lead to forgetting pre-trained features and even degrade model generalization. To address this, Parameter-Efficient Fine-Tuning (PEFT) techniques offer a promising solution. In this paper, we conduct extensive experiments with various foundation model architectures and PEFT techniques to evaluate their effectiveness on five different EO datasets. Our results provide a comprehensive comparison, offering insights into when and how PEFT methods support the adaptation of pre-trained geospatial models. We demonstrate that PEFT techniques match or even exceed full fine-tuning performance and enhance model generalisation to unseen geographic regions, while reducing training time and memory requirements. Additional experiments investigate the effect of architecture choices such as the decoder type or the use of metadata, suggesting UNet decoders and fine-tuning without metadata as the recommended configuration. We have integrated all evaluated foundation models and techniques into the open-source package TerraTorch to support quick, scalable, and cost-effective model adaptation.