Thunderstorms have very turbulent environments. Strong updrafts and downdrafts occur with regularity and within close proximity to each other. The updrafts transport small liquid water droplets from the lower regions of the storm to heights between 35,000 and 70,000 feet, miles above the freezing level.
Meanwhile, downdrafts transport hail and ice from the frozen upper regions of the storm. When these collide, the water droplets freeze and release heat. This heat in turn keeps the surface of the hail and ice slightly warmer than its surrounding environment, and hail is formed.
When this graupel collides with additional water droplets and ice particles, a critical phenomenon occurs: Electrons are sheared off of the ascending particles and collect on the descending particles. Because electrons carry a negative charge, the result is a storm cloud with a negatively charged base and a positively charged top.