This important question is still under investigation. Much of the rain is produced by clouds whose tops do not extend to temperatures colder than 0° C. The mechanism responsible for rain formation in these "warm" clouds is merging or "coalescence" among cloud droplets, which are first formed by vapor condensation. Coalescence is probably the dominant rain-forming mechanism in the tropics. It is also effective in some mid-latitude clouds whose tops may extend to subfreezing temperatures.

Hail stones vary in size. Most commonly they are 1 cm in diameter but have been observed to be as large as 10 to 15 cm. Hailstones are formed when either aggregated ice ("graupel") or large frozen raindrops grow by collecting cloud droplets with below-freezing temperatures. An important aspect of hail growth is the latent heat of fusion which is released when the collected cloud water freezes.

Hail forms when thunderstorm updrafts are strong enough to carry water droplets well above the freezing level. This freezing process forms a hailstone, which can grow as additional water freezes onto it. Eventually, the hailstone becomes too heavy for the updrafts to support it and it falls to the ground.

This question is tricky because some precipitating raindrops may not fall at all, if the surrounding wind has a sufficiently strong upward component. In still air, the terminal speed of a raindrop is an increasing function of the size of the drop, reaching a maximum of about 10 meters per second (20 knots) for the largest drops. To reach the ground from, say, 4000 meters up, such a raindrop will take at least 400 seconds, or about seven minutes.

Drops vary in size from the tiny cloud droplets (measuring less than 0.1 mm in diameter) to the large drops associated with heavy rainfall, and reaching up to 6 mm in diameter. Collision among drops and surface instabilities are generally thought to impose this 6-mm size limit, although drops as large as 8 mm in diameter have been reported in shallow warm showers in Hawaii.