I actually know some people who got into very competitive schools w/out research (even Mayo). BUT I would suggest getting some between now and interview time, just so you could put it on the application -- even if it's not incredibly important to med schools, I know some of them like to brag about stuff like "90% of our students had research experience ..." It's like one of those stats they like to tout, and you know this is all a big number game.
I don't know how it is in FLA, but up here in Chicago, there are research opportunities all over the place. Some are volunteer, some are part-time, some are full-time, some are summer positions. Just try to do something if you can.