It's Florida -- there's always bugs! But, most of them are harmless. Usually the mosquitos are not bad in October, because rainy season is over. There really aren't any bugs to be afraid of - except maybe a bee or something.
Bugs (mosquitoes) were really bad in Sept, but we had lots of rain and there was standing water. Always bring bug repellent. It is Florida. Before it was Disney, it was swamp....please remember that!