A culture bomb will take all the tiles surrounding the tile bombed:
![diagram](https://i.stack.imgur.com/UCzeu.jpg)
In other words, if you bomb the green tile, all the red ones would be taken. However, the bombed tile must be either
owned by you or neutral and adjacent to a tile owned by you.
I believe that all ground units that are air-intercept capable can protect in a radius 2 hexes around them. According to research done by Oak, air units can intercept anywhere in their attack range. A single ground or air anti-air unit can only intercept once per turn. Interception does not guarantee destruction, and it's possible that your unit will still be injured or destroyed even if the intercept is successful.
My strategy when assaulting a naval stronghold such as this is to bring overwhelming force, and plan to lose a few units. (This strategy would certainly be historically accurate...)
If air units are an issue, are you bringing in adequate ground-to-air (and/or sea-to-air) defenses? Carriers can store fighters that can intercept enemy fighters attacking your land and naval units.
I would suggest setting up some carriers and other ships to protect your embarked land units from enemy air and sea units while they get into position. It's not 100% clear from your question, but you are aware that you can attack the city while embarked, yes? Otherwise you've got another turn delay where your unit is vulnerable when you disembark.
As I suggested in the comments, I'd also consider choosing a different tactic or priority target if you can. Small 1 or 2 hex island cities aren't generally high value targets, and their production pales in comparison to a city near forests and hills. Plus, they're hard to assault (as you've noticed) and if the map isn't all islands, fighting the brunt of their forces in a sea/air engagement by building a bunch of ships you don't have a use for once you capture the islands might not be the best use of your military resources.
If you can bypass these islands, you might be better off capturing some of their higher value cities inland, thereby crippling their war machine. Who knows, they may even offer you the islands when they beg for peace... :)
Best Answer
The fallout lasts until you clear it with a worker, it won't go away by itself. This should also answer your second question since it would be rather risky if you workers took damage while clearing the fallout so no your units do not take damage from fallout. Fallout simply makes the tile useless in terms of improvements and being worked by a city.