With growth rates of 0.3 to 2 centimeters per year for massive corals, and up to 10 centimeters per year for branching corals, it can take up to 10,000 years for a coral reef to form from a group of larvae (Barnes, 1987).lick the image to see an animation. Coral reefs begin to form when free-swimming coral larvae attach to submerged rocks or other hard surfaces along the edges of islands or continents. As the corals grow and expand, reefs take on one of three major characteristic structures fringing, barrier or atoll.