<p>Urban photovoltaic (PV) generation forecasting is crucial for energy efficiency and grid stability. This study proposes a two-stage machine learning (ML) framework that extends the concept of a hurdle model by utilizing climatic and temporal variables and quantitatively analyzes variable contributions through SHAP-based interpretation. The proposed framework integrates a probabilistic classifier that identifies PV generation status in the first stage with a nonlinear conditional regression model in the second stage, thereby forming an adaptive boundary between generation and non-generation intervals. A total of 320 model combinations were evaluated in four urban buildings and under five seasonal conditions. The results showed that the two-stage conditional regression model exhibited superior generalization performance compared to a single-stage regression model. Specifically, the multi-layer perceptron (MLP)-based conditional regression model recorded a test R² value of 0.7 or above (R² ≥ 0.7) under most conditions. Also, in SHAP analysis, direct solar irradiance (DSI), diffuse solar irradiance (DiffSI), hour of the day (Hour), visibility (Vis), and relative humidity (RH) were derived as common key drivers of fluctuations in PV generation, and the cumulative contribution of these five drivers was more than 80%. Furthermore, the interpretive consistency and transferability of SHAP results were quantitatively verified using Kendall’s τ and Top-k overlap indicators across buildings and seasons, demonstrating the robustness and reproducibility of the proposed framework. These results demonstrate that solar irradiance (i.e., DSI and DIffSI) and temporal patterns (i.e., Hour) are key drivers of urban PV generation fluctuations, offering practical application values in terms of real-time operation optimization, policy design, and scalability to diverse regions and buildings.</p>