The climate of Florida is tempered somewhat by its proximity to water. The state has a humid subtropical climate, except for the southern part below Lake Okeechobee, which has a true tropical climate.  Cold fronts can occasionally bring high winds and cool to cold temperatures to the entire state during late fall and winter. One such front swept through the peninsula on November 25, 1996, bringing cold temperatures and winds up to 95 miles per hour (150 km/h), knocking out power to thousands and damaging mobile homes. The seasons in Florida are actually determined more by precipitation than by temperature with mild to cool, relatively dry winters and autumns (the dry season) and hot, wet springs and summers (the wet season). The Gulf Stream has a moderating effect on the climate, and although much of Florida commonly sees a high summer temperature over 90 degrees Fahrenheit (32 °C), the mercury seldom exceeds 100 degrees Fahrenheit (38 °C). The hottest temperature ever recorded in the state was 109 °F (43 °C), set on June 29, 1931 in Monticello. The coldest was – 2 °F (−19 °C), on February 13, 1899, just 25 miles (40 km) away, in Tallahassee. Mean high temperatures for late July are primarily in the low 90s Fahrenheit (32 – 35 °C). Mean low temperatures for late January range from the low 40s Fahrenheit (4 – 7 °C) in northern Florida to the mid-50s (≈13 °C) in southern Florida.

The Florida Keys, surrounded by water, have a tropical climate with lesser variability in temperatures. At Key West, temperatures rarely exceed 90 °F (32 °C) in the summer or fall below 60 °F (16 °C) in the winter, and frost has never been reported in the Keys.

Florida's nickname is the "Sunshine State", but severe weather is a common occurrence in the state. Central Florida is known as the lightning capital of the United States, as it experiences more lightning strikes than anywhere else in the country.  Florida has the highest average precipitation of any state, in large part because afternoon thunderstorms are common in most of the state from late spring until early autumn. A fair day may be interrupted with a storm, only to return to sunshine. These thunderstorms, caused by collisions between airflow from the Gulf of Mexico and airflow from the Atlantic Ocean, pop up in the early afternoon and can bring heavy downpours, high winds, and sometimes tornadoes. Florida leads the United States in tornadoes per square mile (when including waterspouts) but these tornadoes do not typically reach the intensity of those in the Midwest and Great Plains. Hail often accompanies the most severe thunderstorms.

Although some storms have formed out of season, tropical cyclones pose a severe threat during hurricane season, which lasts from June 1 to November 30. Florida is the most hurricane-prone US state, with subtropical or tropical water on three sides and a lengthy coastline. It is rare for a hurricane season to pass without any impact in the state by at least a tropical storm. August to October is the most likely period for a hurricane in Florida.

In 2004, Florida was hit by a record four hurricanes. Hurricanes Charley (August 13), Frances (September 4 – 5), Ivan (September 16), and Jeanne (September 25 – 26) cumulatively cost the state's economy US$42 billion. In 2005, Hurricane Dennis (July 10) became the fifth storm to strike Florida within eleven months. Later, Hurricane Katrina (August 25) passed through South Florida and Hurricane Rita (September 20) swept through the Florida Keys. Hurricane Wilma made landfall in Florida in the early morning of October 24 as a Category 3 hurricane, with the storm's eye hitting near Cape Romano, just south of Marco Island, according to the National Hurricane Center.

Hurricane Andrew

Florida was the site of the second costliest weather disaster in U.S. history, Hurricane Andrew, which caused more than US$25 billion in damage when it struck on August 24, 1992.