Step 1: Recall what albedo means.
Albedo is simply how much sunlight a surface bounces back instead of soaking it up. We write it as a fraction or a percentage.
Step 2: Link colour to albedo.
A bright white surface throws back most of the light, so it has a high albedo. A dark surface drinks in the light, so it has a low albedo.
Step 3: Look at the dark options.
Clear water, dry soil and needle leaf vegetation all look fairly dark, so they reflect little and have low albedo.
Step 4: Look at the bright option.
Snow and ice are dazzling white. They send back a very large part of the sunlight that hits them.
Step 5: Compare the values.
Fresh snow can reflect 80 to 90 percent of sunlight, far more than soil, water or leaves.
Step 6: Conclusion.
Hence snow and ice have the highest albedo among the listed natural surfaces.
\[ \boxed{\text{Snow and Ice}} \]