One needs to be careful. State law isn't all that applies. In much of Florida, the restrictions come in the form of city or county ordinances.
As a general rule of thumb, if you are consuming or occupying something that isn't yours, you should probably check with the owner, manager, or responsible authorities, or you might end up with an outcome other than the one you expected.
Some examples below...
Treasure Island, FL's code of ordinances:
Sec. 58-91. - Continuous habitation of vessels prohibited; live-aboards.
It shall be unlawful for a person to occupy or live aboard any houseboat or other boat equipped for habitation within the city. This prohibition shall not apply to individuals occupying vessels on a temporary basis for a period not to exceed 72 hours on the condition that the vessel shall contain a Coast Guard approved, self-contained sewage treatment or storage system. The 72-hour period shall not terminate as the result of temporary absence or removal of the vessel.
(Code 1985, § 20-61)
Or Clearwater, FL's Code of Ordinances:
Sec. 33.052. - Live-aboard vessels and temporary living accommodation permits.
(1)Prohibited; exceptions. It shall be unlawful for any person to moor or anchor any live-aboard vessel at any location within or upon navigable waters in the city for any period of time in excess of 72 hours, except as follows
a)At a marina facility for which conditional use approval has been obtained, or a marina facility in existence as of October 13, 1985, for which conditional use approval would otherwise be required; or(b)At a dock or facility at which temporary living accommodation activities are not specifically authorized pursuant to the terms of a temporary permit issued to the owner or operator of the vessel by the harbormaster.(2)Temporary permits. The harbormaster shall have the authority to issue a temporary living accommodation permit, which permit shall be limited to 15 days, to the owner or operator of a vessel to be moored at a dock or facility at which temporary living accommodation is not specifically authorized, upon payment of a permit fee as set out in Appendix A to this Code. As conditions precedent to the issuance of a temporary permit, the owner, operator, or person in charge of the vessel shall consent to an inspection by the harbormaster of the vessel's marine sanitation and safety equipment; agree that no more persons will reside on the vessel than it was designed to reasonably accommodate and in no instance shall more persons reside thereon than there are permanent accommodating berths; agree not to place, discharge or deposit, or cause or allow to be placed, discharged or deposited any sewage, trash, garbage, petroleum products, hazardous chemicals or substances, or refuse material of any kind or description into the navigable waters while moored or operating within the city during the period covered by the permit; demonstrate that the written permission of the dock or facility owner to moor the vessel thereto during the period covered by the temporary permit has been obtained; and provide evidence of the availability of toilet facilities for the vessel's occupants while moored. Not more than six temporary living accommodation permits may be issued to the owners or operators of the same vessel in any 12-month period, and not more than two such permits may be issued in succession for the same vessel. The permit may be revoked at any time by the harbormaster upon a showing of probable cause that a condition precedent to the issuance of the permit has not been met or has been violated after issuance of the permit and, upon such a showing, no additional permit shall be issued to the permit holder or to any person shown to have committed a violation for a period of one year from the date of the violation. Any permit granted pursuant to this subsection shall be valid only for the place or facility specified upon the permit and shall be conspicuously posted according to the directions of the harbormaster.
(Code 1980, § 114.05; Ord. No. 8146-10, § 8, 2-18-10)
Or Gulfport, FL:
Sec. 6-1. - Definitions. A “live-aboard is defined as any person(s) owning and occupying such a vessel who uses a vessel as a residence and /or is occupying that vessel for four or more days and nights within a seven day period engaging in those usual and customary activities associated with a person’s residences or abode such as but not limited to, sleeping and preparing meals. This definition will also prohibit a place of business, professional location or other commercial enterprise, as evidence vessel used solely as a residence and not in navigation or any vessel for which a declaration of domicile has been filed pursuant to F.S. § 227.17.
Sec. 6-13.2. - Living aboard vessel prohibited; exceptions. (3) Authorized to live on board such vessels by the harbormaster on a temporary basis in the Gulfport Yacht Basin designated transient dock for a period not to exceed fourteen (14) days (three hundred thirty-six (336) hours) within any thirty-day period. Vessel/persons must first register with the harbormaster. All such transient lessees must sign an agreement acknowledging the responsibility for established fees, rules and operational requirements within the municipal marina. Vessels must contain a Coast Guard approved, self-contained, sewage treatment or storage system. (4) Authorized to live-aboard such vessel by the Harbormaster; persons owning or occupying such a vessel who uses a vessel as a residence and/or is occupying that vessel for more than four days and nights within any seven day period in the Gulfport Yacht Basin designated live-aboard berths. Such vessels may not be used as a place of business, professional location or other commercial enterprise, all such uses or related business, commercial or commerce activities are prohibited in designated live-aboard berths. All such live-aboard lessees must sign an agreement acknowledging the responsibility for established fees, rules and operational requirements.
Or Tarpon Springs, FL:
§ 5-20. - MOORING OF HOUSEBOATS.
A houseboat is defined as any boat used as a dwelling. The rules contained in this section shall apply to all boats being used as a temporary or permanent abode. The intent of this section is to prevent unrestricted anchoring or mooring of houseboats within the waters of the city.
(a)Any houseboat as defined herein moored or anchored within the water of the city for any period in excess of 72 hours or intended to be so moored or anchored shall require permission of the harbormaster.(b)The language of this section shall not be so construed as to prohibit any boat from occupying available space within the waterways of the city during a period of time reasonably necessary for the protection of the boat from inclement weather conditions.
Pinellas County, FL:
Sec. 130- 125. Enforcement. Consistent with F.S. § 327.4108(2)(b), a person may not anchor a vessel within any anchoring limitation area for more than forty-five days consecutive days in any six-month period, subject to the exceptions provided in F.S. §§ 327.4108(4), (5). Consistent with F.S. § 327.4108(6), a vessel within an anchoring limitation area must travel at least one mile away from the anchoring limitation area during the preceding forty-five days to comply with this Section. This Section is enforceable by law enforcement officers in accordance with F.S. §§ 327.4108(6), (7), which also provide the remedies for non-compliance with this Section.