Osmer- I just used Photoshop to increase the canvas size by 100 pixels both vertically and horizontally. The "frame" color was the current background color. Likewise the black border is a 2 pixel increase in the canvas size, with black as the background color.
You can do the same thing in Paint Shop Pro, and probably Photoshop Elements (that's a guess, I've never used it).
If you can't increase your canvas size you can create a new image with the "frame" color you like and bigger than the original by how ever many pixels you want the frame to be. Then you can copy and paste the original pic onto the new graphic you created. Sounds more complicated than it really is.
Any graphics program should do the text.
If all that isn't clear let me know and I'll try harder to confuse you more.
i dont know about anybody else, but i live in SC and see weird weather all the time, but that picture really captured what happens down here sometimes.