Courses with water, as in Florida, seem to drive scoring much higher. Many folks from our New England club, that is a par 71 rated as 73.3/138 from 6700, travel to Florida and play a course that is par 72, but rated 71.0/129 from appx the same distance. If you happen to shoot 80 on both courses, your Fla score would result in an index of 7.6, while your northern score would result in an index of 5.3. The snowbirds leave for Fla with single digit handicaps and come back 3-5 strokes higher in the spring, only to win all the time as their handicaps come back down.
I find the water to be the biggest difference, possibly along with wind. If you push or pull your drive in Fla into the water, you just made a double or worse. Up north, from the next fairway, you can still salvage a par or bogey. Its a big difference.