Yes, it is generally warm enough to swim in Key West year-round, although your comfort level in February 2026 will depend on your personal tolerance. Key West enjoys a tropical climate where water temperatures rarely dip below 70°F to 74°F (21°C to 23°C), even in the depths of winter. The air temperature in February typically sees highs around 75°F to 78°F, making for a pleasant beach day. While "locals" might find the winter water a bit brisk, travelers from cooler northern climates often find it perfectly refreshing for swimming, snorkeling, or paddleboarding. The nearby Gulf Stream acts as a natural heater, maintaining a consistent warmth that is unique to the Florida Keys. If you are sensitive to the cold, you might consider a thin "shorty" wetsuit for extended snorkeling sessions at the coral reef, but for a quick splash in the ocean at Smathers Beach or Fort Zachary Taylor, the water is inviting in any season.