Floyd's reaction to the snakes is more fearful and anxious, as evidenced by his desire to call the police and his hesitation to stay at the river. In contrast, Monica's reaction is more cautious and curious, as she is intrigued by the snakes but still prioritizes safety by telling him to wait and eventually making him leave. Additionally, while Floyd is interested in identifying the snakes, Monica's fear causes her to run away from the situation. Overall, Floyd's reaction is more driven by fear and a desire for immediate action, while Monica's is a combination of caution, curiosity, and concern for safety.