If this is a cruise line excursion and they decide that the weather makes it unsafe, you will get your money back. If you booked it with an independent, then it depends on them. BUT, hurricane season ends in November and it is very unusual to get any kind of hurricane level activity in late November. Have lived in Floriday (various areas) for almost 20 years and have never seen a late November tropical storm.
Just FYI, I would not book 2 tours on the same day, unless through the cruise line. Not sure of that is what you meant, but things can go wrong and the locals are often on "island time", meaning "whenever".