Soil water content (SWC) is a vital parameter for understanding crop growth and the soil nutrient water cycle. Monitoring SWC without inserting sensors into the soil, which can break the soil structure, has previously been a significant challenge for scientists. In this study, we developed a non-inserted portable frequency domain reflection (NIP-FDR) instrument to monitor SWC continuously and automatically. The working technique of this instrument was based on the improved adjustable high-frequency oscillation method originating from the frequency domain reflection principle. Compared to the control SWC measurement instrument, the difference in SWC at 0–10 cm, 10–20 cm, and 20–30 cm depth was within 1%, 3%, and 15%, respectively, and the mean variation of SWC was less than 5% in the indoor measurements. In the field verification experiment conducted in the summer of 2020, the mean error of SWC measurements at a depth of 0–20 cm was 5%, while we failed to compare SWC at a depth of 20–30 cm due to low variability in the SWC measurement at this depth during the summer measurement period. This pioneer NIP-FDR was able to effectively monitor surface SWC, especially at depths of 0–20 cm.