Between the lines: Altitude, latitude, cloud cover, ozone level, time of day and seasons all factor into the UV index.
It's a myth that you can't get a sunburn when it's cloudy — and that you need to feel the sun's hot rays to get a sunburn.
In reality, 80% of solar UV radiation can penetrate light cloud cover — and infrared heat is different from UV radiation (which you can't feel), according to the EPA.