How to Represent as a Payoff Matrix
You have the right idea, make a 4 by 3 payoff matrix with fruit at the top and at the side weather/water yes/no, giving 12 different cells, then put the respective dollar payoffs.
You could also make another table and find the expected payoff by multiplying each payoff by its probability, although since all the probabilities are the same, the table wouldn’t show anything different/useful to the normal payoff matrix with nominal dollar values.
Then add up the values in each fruit column and the highest value will be the optimal strategy.