What beach in Florida has the warmest water?

As a general rule, the water anywhere in Florida will be warm enough to swim between April and October. During the cooler months, the farther south you go, the warmer it will be. Fort Lauderdale, Miami, the Keys, Marco Island and Naples will have the warmest water during the winter.



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Makunufushi Island, Maldives The Maldives doesn't have a swimming season because the water is always warm enough (82 to 86 degrees) to dive right in and splash around. There are tons of gorgeous beaches, but we're partial to the private island of Makunufushi.

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One of the most popular destinations is Peanut Island. Peanut Island is located just inside Palm Beach Inlet and during an incoming tide produces one of the most tropical boating locations in all of Florida.

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The 20 best clear-water beaches in Florida are:
  • St. Andrews State Park, Panama City Beach.
  • Bean Point Beach, Anna Maria Island.
  • Inlet Beach, South Walton.
  • Clearwater Beach, Clearwater.
  • Destin Beach, Emerald Coast.
  • Smathers Beach, Key West.
  • Navarre Beach, Florida Gulf Coast.
  • Blue Mountain Beach, Santa Rosa Beach.


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Which Florida beaches have the clearest water?
  • St. Andrews State Park, Panama City Beach.
  • Bean Point Beach, Anna Maria Island.
  • Inlet Beach, South Walton.
  • Clearwater Beach, Clearwater.
  • Destin Beach, Emerald Coast.
  • Smathers Beach, Key West.
  • Navarre Beach, Florida Gulf Coast.
  • Blue Mountain Beach, Santa Rosa Beach.


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Today's Clearwater Beach sea temperature is 83 °F.

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But are the ocean temperatures really over 100 degrees? The temperatures were obtained from a buoy at Manatee Bay just north of the Florida Keys where the 101.1 F was recorded. Keep in mind, these are waters in the Everglades, not ocean waters near the beach, Lowry explains.

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The Gulf may reach 92 degrees or more. In fact, on a July, August or September evening, the Gulf water is warmer than the air. The Atlantic is more likely to top out at 82 to 86 degrees, which makes for a refreshing dip in the summer.

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Which Florida beaches have the clearest water?
  • St. Andrews State Park, Panama City Beach.
  • Bean Point Beach, Anna Maria Island.
  • Inlet Beach, South Walton.
  • Clearwater Beach, Clearwater.
  • Destin Beach, Emerald Coast.
  • Smathers Beach, Key West.
  • Navarre Beach, Florida Gulf Coast.
  • Blue Mountain Beach, Santa Rosa Beach.


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Panama City Beach. Known for having the beaches with the clearest water in Florida you can not miss this Emerald Coast classic. You don't get that name by just by having crystal clear water in Florida but you must also have beautiful pristine beaches too. Panama City Beach in Florida's gulf coast is a wonder to behold.

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Known as the Shark Bite Capital of the World New Smyrna Beach is home to around 40 different types of sharks, though the most common types of sharks are blacktip and lemon sharks. Neither of these types of sharks are particularly aggressive. However, the sheer amount of sharks in the area makes incidents more likely.

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