Always take jackets with you to San Francisco. The city has beaches that you can enjoy, but the water temperatures are pretty cold and in some spots the waves are turbulent so heed posted warning. Dress in layers as the days become warm and then the breezes or fog arrives and you chill to the bone if not prepared. San Francisco is one of the most popular places in the world to visit because of its famed fogs, cable cars, hilly vistas and weather. Enjoy it and always bring a jacket so you'll be prepared.The highest recorded temperature was 103°F in 2000 and the lowest recorded temperature was 23°F in 1996. January is the average coolest and wettest month.