We propose and develop a comprehensive model for estimating the refractive index (RI) response over three potential sensing zones in a multimode fiber. The model has been developed based on a combined ray optics, Gaussian beam, and wave optics analysis coupled to the consideration of the injected interrogating lightwave characteristics and validated experimentally through the realization of three sensors with different lengths of stripped cladding sections as the sensing region. The experimental results highly corroborate and validate the simulation output from the model for the three RI sensing zones. The sensors can be employed over a very wide dynamic RI range from 1.316 to over 1.608 at a wavelength of 1550 nm, with the best resolution of 2.2447 × 10-5 RI unit (RIU) obtained in Zone II for a 1-cm sensor length.