Alice, yes, I think the water makes the difference. We are landlocked here in Gainesville. It gets so terribly blazing hot and humid in summer...the only time we get a breeze really is when the east coast and west coast seabreeze meet and then we get a thunderstorms. Otherwise, once it gets dry and clear here in the winter, radiational cooling can drop us down quick. We usually get a few nights of 20's every year, rarely get any ice, I have NEVER seen snow. Have seen sleet once, on a day when I was doing a 5K race we looked like polar bears. It depends here if Ti and other tropicals will stay up and come back totally on where in your yard they are planted....if you have a really protected spot they will come through if covered. But all the alocasias, brugmansias, colocasias, clerodendrons etc go down. They always come back but I have lost Ti and Crotons more than once so stopped planting them