Originally native to tropical Pacific islands, coconut palms are tall, unbranching trees crowned with arching fronds that can each reach a length of up to 20 feet. They're impressive specimens that provide a strong focal point in the landscape. They function well as street trees, although they should be pruned to remove fruit if they're near roads or walkways to reduce the danger from falling coconuts.
Coconut palms are winter hardy in U.S. Department of Agriculture plant hardiness zones 10 to 12. The trees are extremely sensitive to cold, and they can suffer injury if they're exposed to temperatures of 40 degrees Fahrenheit or less. Temperatures below 35 degrees F may kill the tree, and fruit production isn't reliable unless minimum temperatures remain above 64 degrees.
The trees also do best in humid climates and do not tolerate drought. In the United States, they are best suited to the climates of Hawaii, south Florida and extreme southern Texas.