Satellite imagery plays an important role in detecting algal blooms because of its ability to cover larger geographical regions. Excess growth of Sea surface algae, characterized by the presence of Chlorophyll-a (Chl-a), is considered to be harmful. The detection of algal growth at an earlier stage may prevent hazardous effects on the aquatic environment. Semantic segmentation of algal blooms is helpful in the quantization of algal blooms. A rule-based semantic segmentation approach for the segregation of sea surface algal blooms is proposed. Bloom concentrations are classified into three different concentrations, namely, low, medium, and high. The chl_nn band in the Sentinel-3 satellite images is used for experimentation. The chl_nn band has exclusive details of the presence of chlorophyll concentrations. A dataset is proposed for the semantic segmentation of algal blooms. The devised rule-based semantic segmentation approach has produced an average accuracy of 98%. A set of 100 images is randomly selected for testing. The tests are repeated on 5 different image sets. The results are validated by the pixel comparison method. The proposed work is compared with other relevant works. The Arabian Sea near the coastal districts of Udupi and Mangaluru has been considered as the area of study. The methodology can be adapted to monitor the life cycle of blooms and their hazardous effects on aquatic life.