The velocity of light in a non-homogeneous cloud is influenced by both the cloud's density and its index of refraction compared to air. When considering the cloud as a single entity, its density is factored into the overall index of refraction. However, if analyzing individual water droplets, the light's speed through each droplet is determined solely by the index of refraction. The overall speed of light through the cloud is affected by the number of droplets encountered, which correlates with the cloud's density. Understanding these dynamics is crucial for accurate calculations of light velocity in such mediums.