It can get cold in Florida! How distressing to lose the chance for fruit on your trees for a season. I remember when my sister (who lived in Palmetto) lost a ficus tree in her yard due to a cold snap.
That is always a risk here in NYS for the apple and cherry crops.
There are LOTS of apple orchards across CNY, and once they bloom, if there’s a late frost, it can destroy their crop.
It did happen 2-3 years ago where they lost 80% of the apple crop, and is a threat pretty regularly.