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Here’s the BIG question everyone in Florida is asking. Should I Buy Port Charlotte Flood Insurance In Port Charlotte Florida. Homeowners and buyers in Port Charlotte want what’s best for them an their families. However with the resent news of Flood insurance may increase has many future homebuyers on the fence. Some potential homebuyers feel that they will be over charged for flood insurance. And now will not be able to afford their dream home in Florida. The threat of skyrocketing flood insurance premiums for homeowners and homebuyers alike under new regulations is having a huge effect on Florida politics. Anna M. Phillips times staff writer – states in her article “Florida may chase federal discounts as flood insurance rates rise 01/27/14” – that two Pinellas lawmakers are seeking state funding to aggressively pursue the federal discounts. This is something that needs to be done. At lease someone is taking action towards helping Florida get affordable Flood insurance rates.