When creating your Keywords and Description, follow the same rules that are covered for creating Titles. Avoid repeating the same word over and over. Try for less than 3 times. Go over 5 and you are asking to have a penalty assessed against you. Interestingly, if it's just a penalty, you may never even know that it is being assessed.
Statistics show that a significant majority of people search using all lower case letters.
However, if you were searching on the word 'Florida' you might likely capitalize it. Consequently, having two versions of this word in your Keywords would be preferred. Give this same consideration to other words you might use. Be careful, however, search engines that don't distinguish between capitals will count the words as the same, and you can quickly pass the 3 word safe threshold for keyword stuffing. Don't forget misspellings.