Water evaporates at all temperatures. Clothes suspended in the sunshine still dry, even though the water temperature is nowhere near 100°C. The air contains evaporated water (we call that “air humidity”) from which the clouds form, even though the temperature is way below 100°C.
Even frozen water slowly evaporates through a process called sublimation.
Think of it like this: below 100°C water can be either gas *or* liquid. Above 100°C is gas only.
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