var layers = LayerMask.GetMask("Terrain", "Debris");

var ray = new Vector3(0, 200, 0);
RaycastHit hit;

if (Physics.Raycast(ray, Vector3.down, out hit, 200, layers )) {
    //How to get Color from hit (RaycastHit)?
}
​

I've tried to extract it with hit.textureCoord and then applying it to material.mainTexture but textureCoord is always 0, 0 for me (empty value). Is there any way to do this?

Im trying to get color of terrain and player built structures.

Since you cant reply to two people ill respond to 2CHEVSKII here:
Would it be possible to get the"point" of texture my Raycast hit? I could try and think how to get textures somewhere else.

Wait, are you trying to build map texture generator?

TerrainMeta.BiomeMap contains BiomeTexture, to get actual point on it you'll need to investigate further by yourself.