  Continuing our investigation of the regularization of the noise kernel in
curved spacetimes [N. G. Phillips and B. L. Hu, Phys. Rev. D {\bf 63}, 104001
(2001)] we adopt the modified point separation scheme for the class of optical
spacetimes using the Gaussian approximation for the Green functions a la
Bekenstein-Parker-Page. In the first example we derive the regularized noise
kernel for a thermal field in flat space. It is useful for black hole
nucleation considerations. In the second example of an optical Schwarzschild
spacetime we obtain a finite expression for the noise kernel at the horizon and
recover the hot flat space result at infinity. Knowledge of the noise kernel is
essential for studying issues related to black hole horizon fluctuations and
Hawking radiation backreaction. We show that the Gaussian approximated Green
function which works surprisingly well for the stress tensor at the
Schwarzschild horizon produces significant error in the noise kernel there. We
identify the failure as occurring at the fourth covariant derivative order.
