Frances then passed over the central sections of the state of Florida in the U.S., moved briefly over the Gulf of Mexico on the other side of Florida, and made a second U.S. landfall at the Florida Panhandle. Frances affected the central regions of Florida just three weeks after Hurricane Charley, before it moved northward into Georgia as a tropical depression, and northeast along the spine of the Appalachians. Very heavy rains fell in association with this slow moving hurricane. A total of 49 lives were lost from this hurricane. Damages totaled US$12 billion (2004 dollars).
Frances briefly ceased strengthening, but began intensifying on August 26 in a low shear environment as it turned to the west-northwest. It moved steadily west-northwestward and rapidly intensified, developing an eye and reaching hurricane strength late that afternoon. Frances began moving northwest, under the influence of an upper trough, on August 27. An upper level anticyclone developed over the system, providing excellent outflow, and Frances continued to strengthen, reaching a peak intensity of on August 28. The hurricane turned back to its original westward motion on August 29, as the trough left the area and the subtropical ridge strengthened to Frances' north.
Over the next day, the hurricane underwent an eyewall replacement cycle, during which the maximum sustained winds decreased to . This weakening was short lived, and the storm began to re-intensify during the afternoon of August 30, demonstrating excellent outflow in a low shear environment. The storm continued strengthening as it turned west-northwestward, reaching its peak intensity of on August 2 while east-southeast of West Palm Beach, Florida.
On September 2, Frances struck the Bahamas directly, passing directly over San Salvador Island and very near to Cat Island.The storm moved west northwest and weakened through the day, dropping down to a Category 3 by 2 p.m.This was initially attributed to inner core processes,but increasing westerly shear was later determined to be the cause.
On September 3, Frances weakened slightly as it passed into the vicinity of Abaco Island and directly over Grand Bahama. The storm weakened from a Category 3 to 2 prior to passing over Grand Bahama and also lessened in forward speed. Parts of South Florida began to be affected by squalls and the outer rainbands of the hurricane at this time. Gusts from to as high as were reported from Jupiter Inlet to Miami.
Frances moved slowly, between to , as it crossed the warm Gulf Stream between the Bahamas and Florida, leading to fears it could rapidly restrengthen. It remained stable at Category 2 with maximum sustained wind and battered the east coast of Florida between Fort Pierce and West Palm Beach for most of September 4. At 11 p.m., the western edge of Frances's eyewall began moving onshore. Because of Frances's large eye of roughly across and slow motion, the center of circulation remained offshore for several more hours. At 1 a.m. EDT on September 5 (0500 UTC), the center of the broad eye of Frances finally was over Florida, on Hutchinson Island, near Sewall's Point, Port Saint Lucie, Stuart, Jensen Beach and Port Salerno, Florida.
Late on September 5, it picked up speed and crossed the Florida Peninsula, emerging over the Gulf of Mexico near Tampa as a tropical storm. After a short trip over water, Frances again struck land near St. Marks, Florida. Frances headed inland, weakening to a tropical depression and causing heavy rainfall over the southern and eastern United States. Tropical Depression Frances continued northeast. United States meteorologists at the Hydrometeorological Prediction Center continued issuing advisories on the remnants of Frances until the system crossed the Canadian border into Quebec, where heavy rainfall continued.
The state education system also responded to the pending crisis. Many universities across Florida canceled classes. Both the University of Central Florida and the University of North Florida told all students to leave their dorms. Evacuation at the University of South Florida was performed on a dorm-by-dorm basis. Florida Atlantic University was closed for a week and a half. Most schools were shut down from southern Miami-Dade County to just south of Melbourne two days before the hurricane. The annual Florida State University-University of Miami college football game was rescheduled for the following week.
The economic effect was felt early, as the storm struck during Labor Day weekend, traditionally the final summer vacation weekend in the United States. Many hotel reservations from South Carolina to Florida were cancelled as people, seeing the destruction caused weeks earlier by Hurricane Charley, decided to avoid the coastal areas for safety. One death in the Bahamas, one in Ohio, and five in Florida were directly attributed to the storm. 42 more deaths - 32 in Florida, eight in Georgia, one in the Bahamas and one in Ohio, are indirectly attributed to Frances.
Some areas of Florida received over of rain during the slow onslaught. Similar to Hurricane Charley earlier in the month, the Florida citrus crops took large amounts of damage. Frances caused heavy damage to the large Vehicle Assembly Building at the Kennedy Space Center, ripping off over a thousand 4-by-10 foot aluminum panels used to clad the building. While Charley caused $700,000 damage, Frances caused much more. Two external fuel tanks for the space shuttle were in the building but seem undamaged. The Space Shuttle Discovery's hangar was without power. The total damage to space and military facilities around Cape Canaveral, Florida was reported at about $100 million. Orlando, Florida's theme parks closed Sunday — only the third time Walt Disney World closed for a hurricane, but the second time in a month. In the aftermath of the storm, many colleges and school districts remained closed. President George W. Bush declared all of Florida a federal disaster area.
The total civilian damage from Frances was determined to be approximately US$8,830,000,000 (2004 dollars). Add in the estimated US$100 million damage (2004 dollars) done to space and military facilities at Cape Canaveral, Florida and the total damage was estimated to be about US$9 billion (2004 dollars), making it the fourth costliest hurricane in United States history at that time, behind Hurricane Andrew of 1992 and Hurricanes Charley and Ivan of 2004. At the time, adjusted for inflation, it became the seventh costliest hurricane for the lower 48 United States.