<P> Fresh water is naturally occurring water on Earth's surface in ice sheets, ice caps, glaciers, icebergs, bogs, ponds, lakes, rivers and streams, and underground as groundwater in aquifers and underground streams . Fresh water is generally characterized by having low concentrations of dissolved salts and other total dissolved solids . The term specifically excludes seawater and brackish water although it does include mineral - rich waters such as chalybeate springs . The term "sweet water" (from Spanish "agua dulce") has been used to describe fresh water in contrast to salt water . The term "fresh water" does not have the same meaning as potable water . Much of the surface fresh water and ground water is unsuitable for drinking without some form of purification because of the presence of chemical or biological contaminants . </P> <P> Fresh water habitats are divided into lentic systems, which are the stillwaters including ponds, lakes, swamps and mires; lotic, or running - water systems; and groundwater which flows in rocks and aquifers . There is, in addition, a zone which bridges between groundwater and lotic systems, which is the hyporheic zone, which underlies many larger rivers and can contain substantially more water than is seen in the open channel . It may also be in direct contact with the underlying underground water . The majority of fresh water on Earth is in ice caps . </P> <P> The source of almost all fresh water is precipitation from the atmosphere, in the form of mist, rain and snow . Fresh water falling as mist, rain or snow contains materials dissolved from the atmosphere and material from the sea and land over which the rain bearing clouds have traveled . In industrialized areas rain is typically acidic because of dissolved oxides of sulfur and nitrogen formed from burning of fossil fuels in cars, factories, trains and aircraft and from the atmospheric emissions of industry . In some cases this acid rain results in pollution of lakes and rivers . </P>

Where is most of earths fresh water located