from www.mayoclinic.org/diseases-conditions/cold-urticaria/symptoms-causes/syc-20371046:
No one knows exactly what causes cold urticaria. Certain people appear to have very sensitive skin cells, due to an inherited trait, a virus or an illness. In the most common forms of this condition, cold triggers the release of histamine and other chemicals into the bloodstream. These chemicals cause hives and sometimes a whole-body (systemic) reaction.
I can also add that histamine is what causes allergy symptoms (many allergy medications are anti-histamines). Urticaria is a common symptom of allergy.
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