Clouds are a visual marker of how the air is moving, where the air gets cold enough to squeeze out the water it holds at lower elevations & higher temperatures. By knowing what the air is doing, meteorologists & educated laypeople can make a pretty good guess about what weather is likely to happen soon.
Probably the most common to the most people is a thunderstorm. You know when you look west & the horizon is a wall of black? And underneath is almost as dark because of the rain? Usually a mass of colder air is moving in and under a mass of warmer air. The warmer air is rising far & fast, so it cools quickly and dumps lots of moisture. Those are tall, powerful clouds.
When the updrafts are strong, water is carried up where the air temperature is below 32F/0C and it freezes into sleet or hail. The stronger the updraft, the bigger the hail because the wind keeps tumbling the ice pellet through the water/freezing areas until it gets too heavy.
Contrast that to fog. Fog is essentially a very peaceful cloud at ground level, the unmoving air becoming too cold to hold water. The big worries here are visibility for driving/flying, and black ice if the ground is below 32F/0C.
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