There have been a few instances of people reported being hit through walls by police bullets after a gunfight, but I haven't heard on that in a long time, so I think the ammo selection may be very important there, as John points out.
As for falling bullets, we had an incident here around New Years. A .40 round, pretty much vertical (path seemed to be less than 5 degrees off vertical, but that is hard to tell w/multiple impacts) came down through a metal roof, 1/2" plywood, 6" insulation, a glass table top, and still penetrated a ceramic floor tile completely through into the floor decking.
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