Is surfing difficult?

I'm fifteen, and this summer, I'd like to learn how to surf. I live on long island, so I'm not sure how the waves are here. Is surfing difficult to pick up? Should I start working out to tone my arms and legs? I'm a distance varsity cross country and track runner, so I have nice abs and toned legs. But flimsy arms haha. Any advice, and how much are surfboards? And lessons?