I live in Tampa also, I am still in my 1st year of riding to work. Flash floods here are a non factor they just do not happen. Florida is FLAT. As for the lighting it is an issue, (I have seen a guy get hit in our parking lot at work and live but sure it shook him up) but I plan on either just waiting it out at work or at the one of the local 24/7 stores along the way.

BTW nice see another person from Tampa here.