Generally areas of high humidity have low diurnal variation (its just as hot and wet at night as it is during the day), so unless you have A/C or similar, insul

Generally areas of high humidity have low diurnal variation (its just as hot and wet at night as it is during the day), so unless you have A/C or similar, insulation/thermal mass will not do much as the heat and humidity will find its way in over time. Its hot-dry climates where it gets cool overnight where thermal mass is most important (the thermal mass warms up during the day and radiates heat at night, when outside cools down). In hot-wet climates, if you want passive comfort, your best bet is to make a big roof and then encourage cross-ventilation so the wind provides some cooling.