full text of the classic FAA guide
Convective currents are a common cause of turbulence, especially at low altitudes. These currents are localized vertical air movements, both ascending and descending. For every rising current, there is a compensating downward current. The downward currents frequently occur over broader areas than do the upward currents, and therefore, they have a slower vertical speed than do the rising currents.
Convective currents are most active on warm summer afternoons when winds are light. Heated air at the surface creates a shallow, unstable layer, and the warm air is forced upward. Convection increases in strength and to greater heights as surface heating increases. Barren surfaces such as sandy or rocky wastelands and plowed fields become hotter than open water or ground covered by vegetation. Thus, air at and near the surface heats unevenly. Because of uneven heating, the strength of convective currents can vary considerably within short distances.
When cold air moves over a warm surface, it becomes unstable in lower levels. Convective currents extend several thousand feet above the surface resulting in rough, choppy turbulence when flying in the cold air. This condition often occurs in any season after the passage of a cold front.
Figure 76 illustrates the effect of low-level convective turbulence on aircraft approaching to land. Turbulence on approach can cause abrupt changes in airspeed and may even result in a stall at a dangerously low altitude. To prevent the danger, increase airspeed slightly over normal approach speed. This procedure may appear to conflict with the rule of reducing airspeed for turbulence penetration; but remember, the approach speed for your aircraft is well below the recommended turbulence penetration speed.
As air moves upward, it cools by expansion. A convective current continues upward until it reaches a level where its temperature cools to the same as that of the surrounding air. If it cools to saturation, a cloud forms. Billowy fair weather cumulus clouds, usually seen on sunny afternoons, are signposts in the sky indicating convective turbulence. The cloud top usually marks the approximate upper limit of the convective current. A pilot can expect to encounter turbulence beneath or in the clouds, while above the clouds, air generally is smooth. You will find most comfortable flight above the cumulus as illustrated in figure 77.
When convection extends to greater heights, it develops larger towering cumulus clouds and cumulonimbus with anvil-like tops. The cumulonimbus gives visual warning of violent convective turbulence discussed in more detail in chapter 11.
The pilot should also know that when air is too dry for cumulus to form, convective currents still can be active. He has little indication of their presence until he encounters turbulence.
FIGURE 76. Effect of convective currents on final approach. Predominantly upward currents (top) tend to cause the aircraft to overshoot. Predominantly downward currents (bottom) tend to cause the craft to undershoot.
FIGURE 77. Avoiding turbulence by flying above convective clouds.