Immiscible displacement, involving two fluids in a porous medium, can be unstable and fingered under certain conditions. In this paper, the original linear instability criterion of Chuoke et al. <1959> is generalized, considering wettability of two immiscible fluids to the porous medium. This is then used to predict 24 specific flow and porous medium conditions for the onset of wetting front instability in the subsurface. Wetting front instability is shown to be a function of the driving fluid wettability to the medium, differences in density and viscosity of the fluids, the magnitude of the interfacial tension, and the direction of flow with respect to gravity. Scenarios of water and nonaqueous-phase liquid infiltration into the vadose zone are examined to predict preferential flow and contamination of groundwater. The mechanisms of finger formation, propagation, and persistence in the vadose zone are reviewed, and the existing equations for calculating the size, the number and velocity of fingers are simplified for field applications. The analyses indicate that fingers initiate and propagate according to spatial and temporal distribution of the dynamic breakthrough (water- or air-entry) pressures in the porous medium. The predicted finger size and velocity are in close agreement with the experimental results. ¿ 1998 American Geophysical Union