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You have the worst weather luck of anyone I know. Bar none. At least in Florida.If you check my profile, you will see that I have been in a pretty fair number of places over the years, and I was in a lot of them during hurricane season. I did have a September Florida trip wiped out by a hurricane about a decade ago. I have also been lucky, diving in Australia, the Philippines, and the Caymans within days of hurricanes. Other than that one hurricane in Florida, all my other days lost to bad weather (and there have been many) were outside of the hurricane season. A few of those have been diving in the winter in Cozumel, and all of the rest were in Florida.
I have been in the Pensacola area for a total of 11 days over the years, ready to dive the Oriskany, and never done it once. This past March I had two students schedule flights to stay in the Pompano Beach area with me for a week to get their trimix certifications, but, nope, too windy all week. The year before some friends and I spent nearly a week in February in Key Largo, and we managed 2 days of diving because of the wind. Years ago, when I was only going to Florida for one week vacations, I once got in only 2 days of diving the whole week because of the wind.
In summary, if you are planning a trip to the Cozumel or especially Florida, yes, you do have a chance of of a hurricane, but it is a very, very small chance in comparison to the odds of getting blown out during the rest of the year.