As Tinfoil Hat observes in a comment beneath fev's answer, the key to the mysterious second definition of tropical lies in the word's pronunciation. Unfortunately, the treatment of word pronunciations is not a strength of Merriam-Webster Online. The only pronunciation of tropical that you can play back and listen to is the traditional one for definition 1. If you look carefully, you can see that the online page for tropical lists a different pronunciation for the first syllable of tropical when the word is used in the definition 2 sense—but MW's presentation isn't complete (only the first syllable is given, and there is no recording of how that version of the complete word sounds).
If you had instead consulted Merriam-Webster's Eleventh Collegiate Dictionary (2003), you might have had a slightly better chance of noticing the pronunciation difference:
tropical \ for 1 'trä-pi-kəl, for 2 'trо̄- also 'trä-\ adj 1 a : of, relating to, occurring in, or suitable for use in the tropics <~ foests><a ~ disease> b : of, being, or or characteristic of a region or climate that is frost-free with temperatures high enough to support year-round plant growth given sufficient moisture <~ Florida> 2 {L tropicus, fr. Gk tropikos, fr. tropos trope} : FIGURATIVE 2 [defined elsewhere in the dictionary as "a: expressing one thing in terms normally denoting another with which it may be regarded as analogous : METAPHORICAL b : characterized by figures of speech"]
Better still is the treatment in the Seventh Collegiate (1963):
tropical adj 1 \ 'träp-i-kəl\ , a : of, located in, or used in the tropics b of a sign of the zodiac : beginning at one of the tropics 2 \ 'trо̄-pi-kəl, 'träp-i-\ {L tropicus, fr. Gk tropikos, fr. tropos trope} : FIGURATIVE, METAPHORICAL
A non-expert, encountering definition 2 of tropical in the Seventh Collegiate, would at least be on notice that something was odd about the pronunciation—a point easily lost in the Eleventh Collegiate and even more easily lost at MW Online.
But for a truly straightforward, comprehensible, and self-contained explanation of tropical as "figurative," I recommend the entry for tropical in the First Collegiate (1898):
Tropical a. 1. Of, pert[aining] to, or characteristic of, the tropics. 2. {From TROPE} Of the nature of a trope ; figurative ; metaphorical.
Ah, yes—Webster's [First] Collegiate Dictionary. Now there was a useful reference work!