Coconuts grow on coconut palm trees (Cocos nucifera) in warm, tropical climates and do especially well in Florida. Growing a Florida coconut palm tree from seed, while easy, requires a lot of patience--it can take the coconut up to a year to germinate. Choose a brown coconut that has fallen from the tree.
Leave the husk intact and allow the coconut to soak in a bucket of water for three days. Change the water daily.
Cover the bottom of the planting pot with a shallow layer of pebbles. Pour equal parts of sand and potting soil into the pot until it is half full.
Lay the coconut down and allow it to settle. The position in which it settles is the position in which it should be planted. Place the coconut in the pot and cover it halfway with sand. One-third to one-half of the coconut should be left exposed.
Water the coconut until water drains from the bottom of the pot. Place the pot in a shady, warm area (at least 80 degrees F). Keep the soil moist but not soggy.
Transplant the coconut palm into its permanent location six months after it sprouts.