The wet t-shirt and swamp cooler method is probably insufficient for temperatures in the mid 90's.
Controlling fermentation temperature is one of the best things you can do to make good beer!
Like Florida, the temperatures in East Texas get stupid-hot eight months out of the year. Last year I built myself a duck-in cooler powered by a small window air conditioner. I can get the temperatures down to the mid-sixties, and probably further if I take apart the AC's thermostat. See my blog for details.
A fellow brewer recently donated a chest freezer to me and I had a Johnson Controls external thermostat. This combination is ideal for fermenting because the freezer fits a few carboys and the thermostat keeps the temperature within 3° F of your target. I made my first (real) lager, a CAP, in the freezer.
There is also a Low Tech Lagering DVD. I have not seen it yet, but I trust that James over at Basic Brewing Radio knows what he's talking about.