I have found that the percentages in FL don't mean if it will rain, it means how much of the area will get the rain.
So a 40% chance means that it will definitely rain on 40% of the area. If your lucky the cloud misses you. (Unless you don't want to water your grass and are looking for the cool down then you want it to rain.)
Which is soooo different than it was in NY where 40% meant it may not rain on anyone.