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Several low observable aqueously dispersed polymeric materials with dual cure properties utilizing both ambient and UV curing modalities are provided. Compositions are suitable for coating a substrate such as those used in military, hunting, or other applications for which low visibility is desired. A water dispersible low observable curable composition includes an aqueously dispersed hydroxyl functional polyurethane resin, an aqueously dispersed urethane acrylate resin; and one or more low solar absorbing pigments. In some embodiments, the acrylate resin present at less than 50% total resin weight. Preferred pigments include those that are cobalt free, do not absorb significant UV radiation during cure, and provide reduced surface temperature resulting in low IR signature. Illustrative pigments include chromium oxide green, magnesium ferrite, red iron oxide (Fe2O3), black iron oxide (Fe3O4), zinc ferrite (ZnFe2O4), or combinations thereof.