However, puffy fair weather clouds and thin, light clouds will let most of the UV through. Where you live. UV si strongest at the equator and gets weaker as you move towards the Earth's poles. Remember to take extra precaution since our country is near the equator. Type of Surface you are on.
Most surfaces reflect UV radiation to some extent.
You get much more UV on sand, water and concrete, since these surfaces aer bright and reflect the sun back onto your skin like a mirror. You can get sunburned when you are in water. Length of Time spent in the Sun. The longer you are out in the sun, the more UV you receive. Many of us forget to include time spent outside doing daily activities such as walkign a dog, getting the mail or walking to a train or bus stop as time spent in the sun.