Lichens cover about 7% of the planet's surface and grow on and in a wide range of substrates and habitats, including some of the most extreme conditions on earth. They are abundant growing on bark, leaves, and hanging from epiphyte branches in rain forests and in temperate woodland. They grow on bare rock, walls, gravestones, roofs, and exposed soil surfaces. They can survive in some of the most extreme environments on Earth: arctic tundra, hot dry deserts, rocky coasts, and toxic slag heaps. They can live inside solid rock, growing between the grains, and in the soil as part of a biological soil crust in arid habitats such as deserts. Some lichens do not grow on anything, living out their lives blowing about the environment.
When growing on mineral surfaces, some lichens slowly decompose their substrate by chemically degrading and physically disrupting the minerals, contributing to the process of weathering by which rocks are gradually turned into soil. While this contribution to weathering is usually benign, it can cause problems for artificial stone structures. For example, there is an ongoing lichen growth problem on Mount Rushmore National Memorial that requires the employment of mountain-climbing conservators to clean the monument.
Lichens are not parasites on the plants they grow on, but only use them as a substrate. The fungi of some lichen species may "take over" the algae of other lichen species. Lichens make their own food from their photosynthetic parts and by absorbing minerals from the environment. Lichens growing on leaves may have the appearance of being parasites on the leaves, but they are not. Some lichens in Diploschistes parasitise other lichens. Diploschistes muscorum starts its development in the tissue of a host Cladonia species.
In the arctic tundra, lichens, together with mosses and liverworts, make up the majority of the ground cover, which helps insulate the ground and may provide forage for grazing animals. An example is "reindeer moss", which is a lichen, not a moss.
There are only two species of known permanently submerged lichens; Hydrothyria venosa is found in fresh water environments, and Verrucaria serpuloides is found in marine environments.
A crustose lichen that grows on rock is called a saxicolous lichen. Crustose lichens that grow on the rock are epilithic, and those that grow immersed inside rock, growing between the crystals with only their fruiting bodies exposed to the air, are called endolithic lichens. A crustose lichen that grows on bark is called a corticolous lichen. A lichen that grows on wood from which the bark has been stripped is called a lignicolous lichen. Lichens that grow immersed inside plant tissues are called endophloidic lichens or endophloidal lichens. Lichens that use leaves as substrates, whether the leaf is still on the tree or on the ground, are called epiphyllous or foliicolous. A terricolous lichen grows on the soil as a substrate. Many squamulous lichens are terricolous. Umbilicate lichens are foliose lichens that are attached to the substrate at only one point. A vagrant lichen is not attached to a substrate at all, and lives its life being blown around by the wind.