At low altitudes, temperature reduces with height (in daytime the atmosphere is heated by contact with the hot surface of the earth (as the atmosphere itself doesn't really get heated by the sun). The hot air rises, and expands as it ascends (pressure reduces as you climb, less air pushing down from above) and therefore cools (adiabatic expansion). Therefore, in the troposphere at least, temperature reduces with altitude due to all this vertical air movement and heating from below.
This is contrasted with the stratosphere, where the temperature begins to rise with altitude again and therefore is very stable and stratified without much vertical air movement.
Somewhat different physics at play, but funny how there are similarities.
https://seagrant.umn.edu/news-info/featured-stories/lake-riv...
One was on Ecology, and had about thermal inversion in a lake in the Lake District when the temperature of the lake fell to 4ºC and the thermal circulation changed, between above 4ºC and below.
https://en.wikipedia.org/wiki/Lake_stratification#Definition
I remind you that boiling water is 100c and not higher as the energy is used to change phase. (at 1atm and close to the sea level)
You can use different materials for the temperature you are more interested in if you want more precision, we don't need to go under bodies of water to calibrate thermometers