The Interior Ministry launched a state-funded disaster policy covering flood, storm and earthquake damage for 30 million households, running 1 October 2026 to 30 September 2027 and renewed yearly. Home cover is up to 100,000 baht per event per household, with a 10,000-baht payout for flood-induced isolation over 7 days, plus 2 million baht accident cover per person. For a business owner, this mainly affects your home and staff's personal exposure. It does not show that business premises or stock are covered, so check your own property insurance separately.