Water takes a lot more energy to heat up and cool down than land does. Because of this, our summers are always cooler right at the beaches, and our winters are typically warmer. Living along the shoreline does have its benefits.
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It's courtesy of the sea breeze effect. National Weather Service meteorologist Walter Drag explains that it occurs due to the difference between the warm air over land and cool air hovering over the ocean (currently around 50 degrees).
The upwelling further cools the already cool California Current. This is the mechanism that produces California's characteristic coastal fog and cool ocean waters. As a result, ocean surf temperatures are much colder along the Pacific coast than the Atlantic coast.
Why is the water in Florida so hot? Simply put, the rise in water temperature is due to a combination of things. Long-term changes in the earth's climate are a contributing factor, but so is the lack of wind on the surface of Florida's oceans, which is a side effect of climate change.
When the land heats up, the air above it heats up as well. On the other hand, the ocean heats up and cools down relatively slowly. Therefore, areas near the ocean generally stay cooler during the day and have a more moderate temperature range than inland areas.
Above the ocean the air cools down due to the colder temperatures of the ocean water. This leads to the air becoming denser and a local high air pressure zone. The difference in air pressures above the beach and ocean is what causes the air movement we perceive as wind.