What phrase describes low-temperature weather where frozen precipitation falls?

The phrase that accurately describes low-temperature weather in which frozen precipitation falls is "It's snowing." When the temperature is sufficiently low, precipitation forms as snowflakes rather than rain. This occurs when moisture in the atmosphere crystallizes and falls to the ground in a solid state, creating snow.

The other options do not specifically indicate the presence of frozen precipitation. "It's cold" describes the temperature but does not specify the type of weather. "It's raining" refers to liquid precipitation, which occurs when temperatures are above freezing. "It's windy" describes wind conditions but does not relate to precipitation type at all. Therefore, "It's snowing" is the most accurate phrase to describe the condition of low temperatures with frozen precipitation falling.