Those clouds, called cumulus, forms from air particles rising to a certain point where they then begin to cool. At the temperatures it cools to, these can cause the relative humidity of the area to reach 100%. Then, as the RH is 100%, water vapor condenses and releases heat. This is a feedback loop, causing big clouds to form. Water condenses onto any particles in the air, and as the feedback loop continues, the cloud will “puff” up, and eventually become so moisture laden as to rain.
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