MIAMI — Imagine moving into your new Florida vacation home only to find a $24,300 flood insurance bill in your mailbox.

Welcome to the world of George and Karen McLaughlin, Maryland baby boomers who decided to follow other “snowbirds” south for the winter. They bought their piece of paradise on one of the many channels in New Port Richey, but recent flood insurance changes now frighten the McLaughlins more than the ever-present threat of a flood.

“Our agent thought it was an administrative error,” said McLaughlin, when he received that eye-popping bill for the property’s flood policy last October.  ”A few days later they called to say there was no mistake.”